NetSpend® Visa® Prepaid Card


Card Details


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3.6/5.0 from 10 Cardholder Reviews Over the Past 60 Days!

(10) Over the Past 60 Days!

  • Regular Purchase APR


  • Intro Purchase APR

    No intro APR

  • Intro BT APR


  • Annual Fees

    See Terms*

  • Credit Needed



  • Click "APPLY NOW" to apply online
  • Get Your paycheck and tax refund faster with direct deposit
  • 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.

Card Fees

Late Payment Fees See Terms*

Foreign Transaction Fee 3.5% of the U.S. Dollar amount of the cash withdrawal

Balance Transfer Fee N/A

Cash Advance Fee See Terms*

Returned Payment Fee N/A

Penalty APR N/A

Minimum Interest Charge N/A

Ongoing Information

Rewards Cap N/A

Rewards Rate N/A

Annual Fee See Terms*

Grace Period N/A

Additional Card Details

$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

Expert Reviews

From the Editorial 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

  • Regular APR

  • Intro APR

  • 2.0


  • 3.0


  • star rating 2.5/5

    Overall Rating

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.

Editorial Note: This content is not provided by the card issuer. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the card issuer.

Consumer Reviews

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+7 users submitted a rating without a full review

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3 Found this review helpful

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By: | Sep 22, 2014

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.

1 Found this review helpful

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By: | Oct 7, 2014

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.

0 Found this review helpful

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By: | Sep 22, 2014

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