If you peruse any drug store or big-box retailer, you'll likely find a display full of gift cards and prepaid credit cards for almost anything you can imagine. Between all of the available choices, it may be daunting to figure out which one is best for you.

First, determine why you need a prepaid card. It's next to impossible to find free prepaid credit cards, so expect to pay some fees to use your card. Next, decide which one is going to be the most convenient for you to reload. The Wal-Mart MoneyCard by Green Dot offers several conveniences for its users.

A Wal-Mart MoneyCard is best for consumers who want access to their funds without having to use a bank account or traditional credit card. This general-purpose, reloadable prepaid card is especially useful for those who frequent Wal-Mart.

If you use the MoneyCard for Wal-Mart purchases – in-store, on its website and for gasoline – you can earn cash back. You earn the most money back on online purchases, so keep that in mind if cash back is your key reason for using the Wal-Mart MoneyCard.

As is the case with any prepaid credit card, there are fees. Initially, you pay a fee to purchase the card, but you won't pay an activation fee. There's a monthly charge, but it can be waived if you meet the minimum cash requirement.

One of the benefits of using this prepaid card is that you can quickly reload your card with cash at any Wal-Mart, but it does cost a fee. The fee is lower than if you reload with cash using the Green Dot network though. The best way to add cash to your card is through direct deposit – there's no fee for this method. Another fee-free way to reload your card is by using Wal-Mart's check-cashing service, however, you may pay fees for cashing the check.

You should expect to get hit with fees whenever you withdraw cash from an ATM. The Wal-Mart MoneyCard charges its own fee each time you get cash, and you may have to pay a fee to the ATM owner as well. An easy way to avoid double fees is to get cash back with a purchase. Additionally, you can walk into any Wal-Mart MoneyCenter or customer service desk to withdraw cash from your card at no extra cost to you.

If your card is lost, stolen, or damaged, you have to pay a fee to replace it. And if you travel to a foreign country, you can expect to pay a percentage of each purchase on top of other standard fees. As is the case with any prepaid card, the fees and charges are subject to change at any time, so check the terms often.

Other benefits to using a Wal-Mart MoneyCard is that you can make online bank transfers with no fee, and anyone qualifies for this prepaid credit card. You can keep track of your balance and transactions online at no cost to you, or you can download the Wal-Mart MoneyCard mobile app and see your balance at any time.

If you aren't near a Wal-Mart and you need to reload your card, you can purchase a MoneyPak. This is a Green Dot service that allows you to reload your card at several retailers throughout the United States, such as drug, dollar, convenience and grocery stores.

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