Rated 3/5.0 stars by our editorial team
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3/5.0 from 0 Offer Ratings
Over the Past 60 Days!
This is a good choice if you want a prepaid card that does not have too many annoying and expensive fees associated with it. The card can be yours even if you have no credit or bad credit, and approval is fast and virtually assured. The card is also honored at tons of locations all over the world.
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SIGN-UP BONUS
REWARDS RATE
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Faster Payments
When you Direct Deposit to your Netspend Card, you could get paid up to 2 days faster.*
Rewards
Earn cash back for many of your every day purchases and get personalized offers, just for using your Card.*
Companion App
Check your Card Account balance, see transaction information, and more.*
Annual Fee
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Card Brand
Visa®
Recommended Credit Score
Limited / PoorHighlights
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N/A
From the LendingTree editorial team, updated on Mar 12, 2025
From the CompareCards.com Editorial Team:
This prepaid card puts a real Visa product in your wallet, without a credit background check and even if you have no credit history to speak of and a poor credit score. It looks like a regular Visa card and is likewise accepted at tens of thousands of global retail locations. Because it is a prepaid card it doesn’t work just like a standard credit card, however, and you have to pre-load it with cash paid by you into your own account.
Prepaid cards don’t charge any interest, though, so you do not have to be concerned about interest rates, late fees, or accidentally going over your credit limit. If you add funds to the card and then spend them it no longer works until you reload it, so it is virtually impossible to get into credit card trouble using a NetSpend Prepaid Visa card.
In exchange for leniency regarding instant approval, you can expect to pay fees based on the type of plan you select. You can pick a fee plan tailored to your spending habits to help control your costs. Meanwhile lots of other prepaid cards charge a great deal more than this one does, so it stands up quite well against the competition.
The Good
The Not So Good
The Bottom Line
This is a good choice if you want a prepaid card that does not have too many annoying and expensive fees associated with it. The card can be yours even if you have no credit or bad credit, and approval is fast and virtually assured. The card is also honored at tons of locations all over the world.
Editorial Note: This content is not provided by NetSpend. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by NetSpend.