one person said:"Have you tried just with prompts of key words on a card?"

That can be a great help. I am not a regular 'performer', so there are sometimes songs I am inspired to do that I have not 'refreshed' recently, and a help sheet is nice.

When listening, I have ONE rule: IF I can close my eyes and not tell whether or not you are using a cheat-sheet, I am happy.So, if you really 'almost' know the song and just want a little crutch in case of verse order, etc., it should be fine...but then, go home and practice.
If you are just reading, it usually shows up as pauses, breaks, corrected words...etc...which don't make for pleasant listening. (Same goes for the tune...if you have to also refer to the tune as well as the words, it just won't work, except as a short demo to explain to someone about a song you are learning.)