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NetSpend® Visa® Prepaid Card

NetSpend® Visa® Prepaid Card


Rated 3/5 stars by our editorial team

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  • Regular Purchase APR
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee See Terms*
  • Credit Needed


  • Card Brand Visa®

Card Details


  • Click "APPLY NOW" to apply online
  • 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® Visa® Prepaid Card details

Card Fees

Foreign Transaction Fee See Terms*

Balance Transfer Fee N/A

Ongoing Information

Rewards Rate See Terms*

Annual Fee See Terms*

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 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.

Expert Reviews of the NetSpend® Visa® Prepaid Card

  • 0.0

    Regular APR

  • 0.0

    Intro APR

  • 2.0


  • 3.0


  • star rating 3.0/5

    Overall Rating

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.

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.

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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