The world around us is changing fast, and we struggle to keep up. Kids are growing up in a different world from previous generations. They’re taking on more responsibility than ever before. Savvy parents realize that helping their children to navigate the world around them includes teaching them about finances and how to manage money. Card companies are stepping up to the task by offering debit cards designed to be a tool for parents to teach their teens about budgeting, shopping wisely, and managing money. Which cards are the best, and what is available for teens?

What to look for in debit cards for teens?

Parents should compare the various teen debit cards to get the best deal on rates for most services. Prioritize safety and security, followed by ease of use and affordability. Avoid cards that are for adult use. Instead, choose debit cards made for teenagers and marketed to parents with a desire to give their kids a head start with this valuable life skill. There are dozens, but we’ve narrowed the list to the top ten that offer the safest and best services and safeguards for children in their teen years.

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10. Greenlight Debit Card

The Greenlight Debit Card is for parents and kids as a teaching and learning tool. Parents are in charge of setting controls. They receive real-time notifications for each purchase made by teens. The card allows instant money transfers to send funds to your teen’s accounts. Receive alerts when the card is used or declined. You set the limit on where young shoppers can use the card and how much they’re allowed to withdraw from ATMs. You set the limits. The Greenlight debit is a card that lets you track balances and view the history of account activity. It works with Apple Pay or Google Pay to make mobile payments. This option is a MasterCard with a custom Zero liability protection. You can use the app to turn the cards on or off. Unsafe spending categories are blocked. The card is FDIC insured for up to a quarter-million dollars, and 24/7 customer support is available. An additional safety feature uses logging in with touch or face ID to prevent funds theft if the card is lost or stolen.

9. GoHenry

GoHenry is a debit card that helps kids learn to manage money with games. It’s for children aged six through eighteen. The card is customizable with your choice of colors, patterns, and pictures, and it comes with interactive games dealing with money missions. Players win virtual badges. Parental controls let you set limits on how, when, and where cards get used. The card works at ATMs, in stores, or for online purchases. Parents have access to the spending history through the accompanying mobile app. You can try this card for 30-days free with recurring or with one-time use. It’s free from the risk of overdraft fees. The card helps kids and teens create savings goals for users and set weekly spending limits. On the downside, you can only load the card three times per day with a limit of $500 per day across all accounts registered to the parents.

8. The Copper Debit Card for Teens

The Copper Debit Card is free for parents and teens to use. Parents have access to controls to monitor the use of the card. It helps kids learn how to budget and manage money. The card is free from the risk of overdraft fees. There are no monthly charges or minimum balance requirements. The card works at Allpoint and Moneypass ATMs to withdraw cash without paying a fee. The Copper app comes with the card. It comes with financial quizzes and resources to teach kids about savings and spending habits. Kids also have access to help them earn extra cash by completing quizzes. Kids can set up integrated savings accounts for their long-term goals. The downside is that some businesses may charge a fee. The charges can be as high as $4.95. Find out before you make a purchase. Other than that, it’s one of the best cards for kids.

7. The BusyKid Debit Card

The BusyKid Debit Card is a prepaid Visa debit card that is good for kids in advanced financial learning modes. Teens can purchase real stocks with the card for a minimum of $10 per investment. It’s an investment card that costs $3.99 a month flat. It also lets kids receive automated allowance loads. It comes with chore assignments. The drawback to this card is that parents cannot limit which retailers kids use. ATM fees are $1.50 from the BusyKid provider plus the fees charged by the ATMs.

6. The FamZoo Debit Card

FamZoo is another popular debit card for kids. The card comes with an app that allows parents to pay a weekly allowance or pay kids as they complete a setlist of chores. It also comes with parental tracking to let you know where your kid is shopping. You can use it to buy mock stocks to help your child learn about investing. Your teen can use the app to request funding from you in real-time. They can get extra cash instantly. Each account gets split into three buckets for giving, spending, and saving to help them learn solid money management habits. The cost of the Famzoo debit card is $5.99 per month. You can try it for 30-days free.

5. Brinks Prepaid Mastercard

The Brinks Mastercard is a prepaid card associated with Republic Bank & Trust Company. Te debit card issues text message and email alerts when a payment or purchase occurs. The card is t’s accepted wherever Mastercard Debit cards are accepted. There is no credit needed and no risk of overdrafts or overdraft charges. You can customize the card with your teen’s name as an authorized user on your account.

4. PayPal Prepaid Mastercard

The PayPal Prepaid Mastercard allows your teen to earn cashback and take advantage of personalized offers for using the card. The card is through Bankcorp. It provides fast movement from your PayPal account to the prepaid card instantly. You can monitor the use of the card and view the spending history of older teens. No credit is needed because it’s a debit card. PayPal is one of the leading payment services providers. You can access the account via a mobile app or the internet.

3. NetSpend Prepaid Visa Card

Netspend is by MetaBank and is FDIC insured. You can use the card wherever Visa is accepted. There are no late fees, interest charges, or overdraft fees. The NetSpend Mobile app helps your teen to manage finances. You can receive email alerts and text messages to know what your teen is spending and where they’re making purchases. It’s a safe and secure debit card that charges monthly fees based on the account balance.

2. ServeAmerican Express Prepaid Debit Account

Older teens will appreciate learning about the American Express debit card management through the Serve debit card. You can check the balance and view recent transactions on the account as your child learns how to use the card to manage money, pay for purchases, and budget money. You can send money to the card to preload set amounts. The card gives you free cash withdrawals at MoneyPass ATMs, but it charges fees for other ATMs. There are no hidden fees and no credit needed. Your teen avoids monthly charges for the account when they arrange direct deposits from their jobs of $500 or more per statement period to help them learn responsible financial practices. The card is a full0service savings account that works ideally for teens via the mobile application to help set and meet spending and savings goals. The card is reloadable to add money to the account for a small fee.

1. Mango Prepaid Mastercard

The Mango card is one of the best debit cards for teens because it comes with a Mango Savings Account with a competitive interest yield. The card helps your teen understand the importance of maintaining a spending limit and improving financial literacy. It comes with a mobile application that links the card and savings account, giving your teen the tools to send and receive money. Funds instantly load to the card with no activation, monthly, or annual fees for use.

Practically everyone likes the idea of being able to take advantage of the right credit card. After all, they can come in handy when you find yourself in a situation where you need money for something suddenly, especially if you have a credit card with a high limit. As a matter of fact, having the right credit card can make all the difference in the world between having the money you need to pay for things that might otherwise be outside of the realm of your normal budget or struggling to take care of the most basic things. This is especially true if you have something that’s completely unexpected that pops up out of nowhere. There are actually a lot of benefits to having a credit card with a high limit. For starters, it gives you the financial freedom to know that you can cover larger expenses without taking money out of your bank account. That in turn can keep you from inadvertently derailing your budget. More importantly, learning how to use credit cards with high limits properly can go a long way toward helping you manage your overall finances more effectively and that gives you more spending power in the future. The question is, which high limit credit cards are the best options for you? Below are 10 you might consider.

10. U.S. Bank Secured VISA Card

Granted, $5,000 may not seem like the highest limit, but it’s certainly not the lowest, either. In fact, it’s a great place to start if you’ve never had a high limit credit card before. That’s because you have to consider a few things when you’re dealing with a high limit credit card. The more you charge, the more you’re going to owe every month. Therefore, it’s important to learn how to manage this type of financial freedom effectively before you find yourself in hot water. A credit card with a $5,000 limit is a good place to start. Even if your credit is not great, you might still get approved for this card, but with a lower credit limit. In fact, they start some of their customers all the way down at a level of $300, but they typically allow you to build up to a higher limit very quickly, provided you make all of your payments on time. You can use the card anywhere around the world like you would use any other credit card and there is no annual fee, a huge benefit for any credit card holder.

9. Petal 2 VISA Credit Card

This card seems to have it all. A $500 credit minimum, a $10,000 maximum and you get it all with no annual fee. The card even offers 1.5% cash back on everything you buy with it, meaning that you might get a nice little chunk of change back at the end of the year, depending on how much you spend.

8. Chase Freedom Unlimited

This is a great card for anybody with a better than average credit score. It has a high credit limit which varies depending on your score, and it comes with plenty of other benefits as well. For starters, you can get anywhere from 1.5% all the way up to 5% cash back on all of your purchases. Better still, if you spend $500 within the first 90 days that you have the card, you’ll get $200 of that money back automatically.

7. Citi Double Cash Card

Who doesn’t like the idea of saving money? This is a card that gives you a chance to do exactly that, by giving you cash back on every purchase you make. The card has no annual fee, a credit limit that is tied directly to your credit score and when you pay off your balance, you get another 1% cash back on all of your purchases. It’s like you’re getting paid money back twice for everything you buy. The card is only available to those who have a good to excellent credit score, meaning that if you’ve managed your money well in the past and you want a credit card with a high credit limit, this might be the option for you.

6. Wells Fargo Reflect Card

Like many others on this list, this card offers cash back on your purchases, plus you don’t have to pay an annual fee. For the first year-and-a-half that you have the card, you also don’t have to worry about paying interest charges on any of your purchases. Pay your balance on time every month, and you can extend that to 21 months interest-free.

5. Citi Prestige Card

Here’s a great option for travelers. In fact, it’s one of the best cards out there for people who do a lot of traveling because it is specifically geared toward providing rewards for travelers. It’s a perfect card to use for all of your airline tickets and hotel reservations because you get cashback on each of those types of purchases.

4. Delta SkyMiles Gold Credit Card

This is a high credit limit card with a lot of other perks as well. The first year, you don’t have to pay an annual fee. After that, the fee is still only $99. The card offers one of the lower interest rates out there, at 15.74%. Perhaps the best thing about it is that you get miles for all of your purchases. In fact, if you spend $2,000 within the first 90 days that you have the card, the company will give you 70,000 bonus miles you can use on airline tickets.

3. Capital One Venture rewards Credit Card

For a $95 annual fee, you get 2 miles for every dollar that you spend and 5 miles on every dollar if you spend that money on hotel reservations. Spend $3,000 within the first 90 days of opening your account, and you’ll get 60,000 bonus miles on the participating airline of your choice.

2. Chase Sapphire Reserve

This card is for someone who travels almost constantly. Spend $4,000 within the first three months and get 50,000 bonus miles. Every time you spend money on hotel reservations, you book a flight or even spend money on dining out, you get points back that count toward miles. In fact, you can use this card specifically for those things and get enough miles that you might not ever have to pay for another airline ticket again.

1. Chase Sapphire Preferred Card

Use this card for all of your traveling and entertainment needs and get rewards towards hotels, flights or even cash back. You even get 60,000 points as a bonus when you spend $4,000 the first three months after opening your account.

Whether you pursue a credit card option from this list or not, it’s important to do your own research to determine which is the most beneficial credit card for you