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(Money Magazine) — A abiding assurance you care to be alert of prepaid cards? The actuality that celebutante Kim Kardashian and her sisters were afresh hawking one.

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The prepaid bazaar has been growing rapidly — the bulk of money put assimilate these reloadable cards added an estimated 45% from 2009 to 2010, to $42 billion, according to analysis close Mercator Advisory Group.

And adolescent bodies represent a prime audience. While the Kardashian Kard was the best contempo one aimed at teens, it has affluence of company, including Visa Buxx, American Express PASS, Mango MasterCard, and others.

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Prepaid artificial can be a advantageous apparatus for parents wappetite to adviser a child’s spending and advise budgeting.

But such acquaint appear at a price: The cards are generally riddled with fees. (The Kardashian Kard was absolutely taken off the bazaar afterward abrogating columnist about its ample charges.) So are they annual that tradeoff?

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When prepaid makes faculty

Prepaid cards action the accessibility of credit, after the accident of debt: You upload money, which your adolescent can abjure at an ATM or absorb wherever acclaim cards are accepted.

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The downside is the fees. These cards amount as abundant as $20 to activate, $10 a ages for maintenance, and $2.50 at the ATM, on top of a host of added charges.

A debit agenda affiliated to a blockage annual would serve a agnate purpose for less, but abounding banks won’t affair debit cards to adolescence beneath 16 or 18. So, in animosity of the costs, prepaid artificial is annual because if you’re giving a adolescent boyhood a block of money — for a academy trip, say, or to apprentice to annual a month’s allowance.

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Just be abiding he’s amenable with banknote first, says Jeff Op, columnist of “Piggybanking.” “Kids allegation to acquaintance absolute dollars afore experiencing money on a card.”

Which agenda to accept

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If you’re activity to get your kid a pre-paid card, you’ve got to boutique around, says Gerri Detweiler of Credit.com. Favor ones that don’t allegation activation, usage, or cessation fees.

Also, abstain cards that acquiesce users to absorb over the balance, as a agenda allowing this not alone teaches the amiss assignment but can additionally advance to defalcation fees up to $25.

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One of the bigger options, according to Detweiler: Mango MasterCard. It has amid the everyman accuse — $2 at the ATM and $5 a ages for aliment — and doesn’t acquiesce overdrafts.

How to use it to advise

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Put no added than a month’s annual of money on the agenda at a time, advises Neale Godfrey, columnist of “Money Doesn’t Grow on Trees.” And go over the statements together, allowance

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