First of let us define a prepaid debit card.
It is a credit card that has a stored value in it; the stored value is the amount of money you put into it.
Think of it as an ATM machine but the difference is that a prepaid card can be used to pay for items in a store not and when you withdraw money from it there is a specific charge.
Since it is prepaid card, you are spending money that is already is stored in it.
An advantage of prepaid credit cards is that since money is already stored you are already paying for it, which in turn you will no longer have to wait or worry about billing dates.
Another great thing about it is that the money is safe unlike if you are carrying cash, if by any chance you lost the plastic, you could ask for a replacement at the card company and they will also give you back the amount that was stored, given that you would have to report the missing plastic as soon as you realize that it goes missing.
Reporting your stolen plastic is very important because the issuer will then block any unauthorized transactions may it be online, on-phone, or on-store transaction.
If you wouldn't report your stolen or missing card, the possibility that it could be used by other people is present.
When choosing the best type of prepaid debit card, you have to consider several things.
Some of the things that you would need to consider are the monthly payments, the type of card, and then you would also need to determine your lifestyle and spending pattern to be able to identify your purpose for getting your own one.
Monthly payments are present in all prepaid debit cards.
It is up to you to look for one that is not that expensive or one that gives reasonable rates that comes along with good service that they can offer.
Next is the type, preferably you should get a MasterCard or a Visa.
A MasterCard or Visa is the most accessible type on the market.
They are accepted at almost all retail establishments, internet shops even prefer cards as a method of payment simply because they are cheaper and easy to deal with.
These two are also accredited internationally so if ever you would need to travel out of the country, you could still use it.
There are some debit cards that offers a lot of promotional activities.
If you want to avail one with promotions, chose one that gives it for free.
Some offer promotions but charge extra to be able to participate.
A good example of a great promotion is one that offers rebate programs.
All in all, the best card to get is basically the one that will offer you all the great advantages while minimizing those annoying disadvantages.