NetSpend® Visa® Prepaid Card

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3.4/5.0 from 9 Cardholder Reviews

 

9 Cardholder Reviews

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Intro APR: No intro APR
Regular APR: N/A
Intro Balance Transfer: N/A
Ongoing Balance Transfer: N/A
Annual Fee: See Terms*
Credit Needed:
 
Bad Credit

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Highlights

  • Get Paid up to 2 days faster with direct deposit - payroll and government benefits
  • 100% Approval - No credit check needed (ID verification required).
  • No credit card debt or late fees, because it is not a credit card
  • Earn cash back with NetSpend Payback Rewards
  • Real-time activity alerts sent to your mobile phone. (Message rates may apply)
  • Prescription Discounts - up to 55% off!
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • Card issued by MetaBank®, Member FDIC.
 

Details from the CompareCards.com Editorial Team

From the CompareCards.com Editor Team:

With the NetSpend Visa Prepaid card you deposit cash into your account in order to provide the funds for future purchases or bill paying, so there is no need for you to ever pay interest or late fees. There are no credit checks, so anyone – even those with no credit history or bad credit – can get this card. A NetSpend Visa Card looks like an ordinary credit card, but works more like an ATM card because of the prepayment requirement. You can also use online features to manage your account and pay bills in an 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 the NetSpend Visa (and virtually all other types or brands of prepaid cards) charge customers. Typical fees include, for example, a $2.50 per withdrawal ATM Fee; fifty cents charged for non-monetary ATM transactions, like balance inquiries and for non-monetary phone calls to customer service; a one-time $9.95 set up fee to start your card account and get your plastic; and a similar 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.

Expert Reviews of the NetSpend® Visa® Prepaid Card

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The Bottom Line

This is a pretty straightforward prepaid card with Visa affiliation, except that it doesn’t have as many miscellaneous and potentially costly transaction fees and other various charges that many other prepaid cards do have. You don’t need to have good credit or even a credit history to get this card and it’s accepted wherever Visa is honored and comes with some helpful budget management features that are free to use.

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 do many other 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 any prepaid cards.

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Selected reviews

Educational / User Friendly

I appreciate all the simple, easy-to-read facts that CompareCards offer. Each week CompareCards presents articles to teach the average consumer, lik… Read more

Rhonda Clancey

Rhonda Clancey,
Neenah

 

Above the pack

Tops on the ConsumerAction list says it all Read more

Chris Mettler

Chris Mettler,
Charleston

 

Super helpful

I came here looking for a card to do my balance transfer to and their livechat support was able to suggest the best option, and I was approved! Read more

Teresa Womersley

Teresa Womersley,
North Charleston

 

compare now

helps shopping easier in trying to get the best shopping expericenc Read more

Jane Jakins

Jane Jakins,
Ocean Springs

 

Best website for Credit!

Love this site for credit reports, comparing credit cards and their rates, and finding awesome deals where I actually get MONEY BACK, just for using … Read more

Stephania Green

Stephania Green,
Grosse Pointe

 
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Overall Rating

3.4

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Your Rating:

+6 users submitted a rating without a full review

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The thing I don't like about prepaid cards is the fee to put money on them. You're better off just opening a checking account.

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I got this card as a wedding gift, and I tell you it just keeps on giving :)

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I have had my netspend account for 5 years. I have their March of Dimes Visa card. A percentage of all my purchases are donated to the March of Dimes. They have 3 great fee plans to choose from instead of per transaction fees. I also have a savings account that grows at a decent interest rate.

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