Rated 3/5.0 stars by our editorial team
Click the stars to submit your rating.
Rating already submitted!
Thanks for rating!
3/5.0 from 0 Offer Ratings
Over the Past 60 Days!
NetSpend® Visa® Prepaid Card
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.
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.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
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 / PoorHighlights
- With Direct Deposit, you can get paid faster than a paper check.
- No late fees or interest charges because this is not a credit card.
- Use the Netspend Mobile App to manage your Card Account on the go and enroll to get text messages or email alerts (Message & data rates may apply).
- Card use is subject to activation and ID verification. Terms and Costs apply.
- Card issued by Pathward N.A., Member FDIC. Card may be used everywhere Visa debit card is accepted.
- See additional NetSpend® Prepaid Visa® details.
Additional Info
Foreign Transaction Fee
See Terms*
Balance Transfer Fee
N/A
Expert Review
Editor's Overall Rating
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.
From the LendingTree editorial team, updated on Mar 12, 2025
With the NetSpend Visa Prepaid Card, 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 on purchases. Cardholders can also track their spending and set budget limits with NetSpend's 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.
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.
Related Card Offers
Apply Now
on Discover's secure site
Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
APRs
10.99% Intro APR for 6 months on balance transfers, then 27.24% Variable APR
Rates and Fees
No annual fee, no late fee on your first late payment. After that, late fee up to $41 applies. No penalty APR.*
See Our Review
Apply Now
on Capital Bank N.A.'s secure site
Purchase APR
24.64% (variable)
Build Credit
Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
Flexible Due Date
Pick a due date that works for you
See Our Review
Apply Now
on First Progress's secure site
Improve Your Credit Score
Free Credit Bureau Reporting
Get A Fresh Start
A discharged bankruptcy in your credit file will not cause you to be declined
Regular Purchase APR
14.24% (V)
See Our Review