NetSpend® Visa® Prepaid Card

NetSpend® Visa® Prepaid Card

Apply Now

on NetSpend's secure site

NetSpend® Visa® Prepaid Card

Apply Now

on NetSpend's secure site

NetSpend® Visa® Prepaid Card Review

This is a pretty straightforward prepaid card, except that it doesn’t have as many miscellaneous and costly fees that many other prepaid cards do have. You don’t need good credit or even a credit history to get approved for this card and it’s accepted wherever Visa is honored.

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Rated 3/5.0 stars by our editorial team

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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.

NetSpend® Visa® Prepaid Card

  Apply Now
NetSpend® Visa® Prepaid Card
Apply Now

on NetSpend's secure site

Add to Compare

NetSpend® Visa® Prepaid Card

SIGN-UP BONUS

N/A

REWARDS RATE

See Terms*

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

See Terms*

Card Brand

Visa®

Recommended Credit Score

Limited/Poor

Highlights

  • With Netspend Direct Deposit, you can get paid faster than a paper check.
  • No late fees or interest charges because this is not a credit card.
  • No Overdraft Fees on purchases using your card.
  • Use the NetSpend Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply).
  • Card issued by MetaBank®, Member FDIC. Card may be used everywhere Visa Debit cards are accepted. Click "Get My Card" for full details.
  • See additional NetSpend® Prepaid Visa® details.

Additional Info

Foreign Transaction Fee

See Terms*

Balance Transfer Fee

N/A

$0 Fraud Liability

No

Auto Rental Insurance

No

Extended Warranty Program

No

Roadside Assistance

No

Purchase Protection

No

Travel Assistance

No

Flight Accident Insurance

No

Lost Luggage Reimbursement

No

Concierge Service

No

See your approval odds before you apply
There's no impact to your credit

Expert Review

Editor's Overall Rating

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Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.

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From the LendingTree editorial team, updated on Feb 26, 2024

With the NetSpend Visa Prepaid Card you can deposit cash into your account and use it like a traditional bank card to make purchases or pay bills. There are no credit checks so even those with no credit history or bad credit can get approved for this card. The NetSpend Visa Prepaid Card looks like an ordinary credit card, but works like an ATM card because you load your own money onto the card. You can use their online account features and tools to manage your account and pay bills in easy, convenient ways.

You can select the fee plan that works best for you based on your spending habits, in order to minimize the transaction fees that are associated with carrying the card. Some fees include $2.50 ATM Fee per withdrawal; 0.50 cents charged for non-monetary ATM transactions like balance inquiries and non-monetary phone calls to customer service; a one-time $9.95 set up fee to open your account and get your plastic; and a monthly service charge, depending on your plan.

Cardholders can also track their spending and set budget limits with NetSpend's award-winning budgeting system, and they can do online bill paying to pay bills like cell phone or utility bills that occur each month.

The Good

  • There is no need for a credit check or credit history, so virtually anyone can qualify for this card. It also charges less recurring or miscellaneous fees than many other types of prepaid cards.

The Not So Good

  • You have to deposit money in order to have a line of credit to draw from, and you can’t build credit with prepaid cards.

The Bottom Line

This is a pretty straightforward prepaid card, except that it doesn’t have as many miscellaneous and costly fees that many other prepaid cards do have. You don’t need good credit or even a credit history to get approved for this card and it’s accepted wherever Visa is honored.


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.

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