I need to backup my account after my husband’s death I have a prepaid VISA card please help my

Hi 01lm.

welcome to the Apple user-to-user community. So sorry to hear you lost your husband.

Re: iCloud: "I need to backup my account" : "but I cloud doesn’t back up"

For backing up your iPhone: How to back up your iPhone, iPad, and iPod touch - Apple Support

Trouble-shooting: Apple support's online article: Learn what to do : If you can't back up to iCloud - Apple Support.

or

If needed: You can contact iCloud - Official Apple Support

(There is a "Get Support" link (online chat, phone, eMail etc) at the bottom of their official webpage (link above).

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Re: "Put prepaid Visa I think right"

Your Apple ID is the account you use to access Apple services like the App Store, Apple Music, iCloud, iMessage, FaceTime, and more. It includes the email address and password you use to sign in as well as the contact, payment, and security details you use across Apple services.

If you wish: You can log-in to your account online to check your details are up-to-date, or make changes:

Apple ID Log-in: https://appleid.apple.com/

If needed: How to: Get a verification code and sign in with two-factor authentication - Apple Support

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From the link below: you can see the payment methods that Apple can accept in your country or region:

Payment methods that you can use with your Apple ID - Apple Support

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More ways to manage payment methods for purchases, subscriptions etc. from Apple:

How to add an Apple ID payment method:

Add a payment method to your Apple ID - Apple Support

How to delete an Apple ID payment method:

Remove a payment method from your Apple ID - Apple Support

How to change an Apple ID payment method:

If you need to change or update your Apple ID payment method - Apple Support

All the best :-)