Compare these prepaid dollar cards that could offer you a cheaper way to pay in the US and help you avoid carrying cash on your trip.
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Use our prepaid card table to find one that offers all the features you need that will cost the least in fees.
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Use this comparison to find the best prepaid dollar card to use in the USA. You’ll only see prepaid cards that can hold a balance in US dollars in this table.
There are two types of prepaid cards in dollars:
Single currency cards
These keep your balance in dollars. If you spend in countries that use a different currency, the card will exchange your dollars to the local currency.
Multi currency cards
These let you keep several different balances on your card in different currencies. For example, your card might hold $150, €100 and 10,000 Japanese yen all at once.
Sterling prepaid cards
These let you load your card with pounds. That means you can spend in all types of different currencies.
The exchange rate can vary over time depending several external economic factors. That. means the exchange rate you get today, may not be the be the same you get in future.
Some prepaid cards hold the balance in pounds sterling. These convert the amount to dollars every time you spend on them. You could get a different exchange rate every time, so you never know how much the balance on your card is worth in dollars.
But the cards in this our pre paid dollar cards comparison convert your money into dollars when you add it onto the card. This means you know the exchange rate used and your card's exact dollar balance before you go away.
Compare the rates before you choose a prepaid card. They can change several times a day, but choosing a provider that offers competitive exchange rates will save you money.
You don’t need to carry large amounts of cash on holiday
You can avoid expensive foreign transaction charges that you might pay if you used your usual debit or credit card
You can only spend what you’ve put on your prepaid dollar card, which means you have to stick to your budget. You can’t be tempted to overspend or run up debt
You can load money onto your prepaid dollar card when exchange rates are good
You can pay with a pre paid dollar card almost everywhere in America
If you lose it, you can cancel it immediately and many card providers will supply emergency cash or a replacement card very quickly
If the prepaid dollar card was stolen and used, you’d only lose what was on the card, rather than the entire contents of your bank account
Your money’s safe if the prepaid card company goes bust
If the pound strengthens after you load your card, you’ll have missed out on the best rate
There can be lots of fees – check that these are lower than credit or debit card fees to be sure you’re choosing the best route
There are some places you can’t use a prepaid dollar card, such as some care hire companies and petrol stations
Most prepaid dollar cards charge a fee if you withdraw cash from an ATM
They’re not protected by the Financial Services Compensation Scheme.
As well as the exchange rate, you may have to pay several other charges on your prepaid card. These could include:
A fee to buy the card
A monthly or annual fee for keeping the account open
Cash withdrawal fees
Transaction fees when you pay for anything on the card
Loading fees when you add money onto the card.
Some cards also charge fees for withdrawing cash or making purchases outside the UK. But some of the cards in this comparison do not charge fees in countries that use the US dollar. Check carefully before you pick one.
All of the cards on this table can hold a balance in dollars. Some are multi currency cards, which let you load other currencies onto them too.
Yes, they can be used to pay or withdraw cash in the UK. There may be fees or even an exchange rate if your card only holds dollars.
Yes, some providers let you send or receive money from abroad through your online account.
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.
Comparing prepaid cards could save you money. Our multiple award-winning comparison service makes sure you get the lowest fees and rates possible based on your individual circumstances. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.
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Last updated: 3 May, 2022