NetSpend® Visa® Prepaid Card (Black Card Design)

Consumer Reviews, Fees, Credit Score, Application & Best Alternatives

Updated: Dec 31, 2020
Advertiser Disclosure
× Advertiser Disclosure

Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.

You can obtain this Black card from Meta Bank after completing an effortless application process online. Since you don't have to provide any credit scores or other security checks, you can get the card with a poor credit score without any questions asked.

It's also a good choice for people who don't want to deal with bank accounts as it provides similar features. You'll be able to send and receive money, pay bills, make online transactions, and even receive paychecks and social services funds directly. All of these features come at a certain price since you'll have to pay fees for almost everything you do. There are two different plans you can choose from. One comes with a fixed monthly fee, while the other requires you to pay a small fee every time you use the card. Think about how you'll use it before picking a plan because those fees can quickly chomp through your interest rates if you're not careful. Otherwise, you can use the card to pay for services and products wherever they accept visa cards.




N/A *



115 User Ratings NetSpend® Visa® Prepaid Card (Black Card Design)

at Meta Bank Secured website

Save to Compare

Application Fee
Credit Reporting
Minimum Credit Needed
Bad Credit OK*

Key Features

  • Win up to $5,000 in Netspend Tax Time* Sweeps!
  • Get paychecks or government benefits checks up to 2 days faster with Direct Deposit
  • Guaranteed Approval* - No credit check needed (ID verification required).
  • Sign up for NetSpend Payback Rewards and earn cash back.
  • No late fees or credit card debt because this is not a credit card.
  • Use the Mobile App to manage your account on the go and get real time text message alerts (Message & data rates may apply).
  • Customize your card to add a personal touch or an extra layer of security.*
  • Funds are FDIC insured up to the current coverage limit (ID verification required).
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details.
$ 0 2021-01-20 InStock

Our Take

The Black Netspend Visa prepaid card offers the same features and fees as the standard Netspend Visa card, but the difference is in the color. It's got a slick black finish. Who is This Card For? Since it shares the same features with other Netspend Visa cards, anyone can get one. You don't need to ...

The Black Netspend Visa prepaid card offers the same features and fees as the standard Netspend Visa card, but the difference is in the color. It's got a slick black finish.

Who is This Card For?

Since it shares the same features with other Netspend Visa cards, anyone can get one. You don't need to provide credit scores from any of the three bureaus, so all you have to do to get it is to apply for it. That means that you can get one even if your credit scores are at an all-time low, which is nice because you can get a few useful benefits other than paying for goods and services.

For one, you'll be able to receive money transfers and get direct deposits straight to your card. It works similar to a standard bank account, so it's excellent for people that don't have or want one. You can use the card to get tax refunds, get direct deposits from the government, receive pension checks, and get your standard paychecks two days earlier than before.

The Key Card Features

  • Fast and easy application
  • No credit score checks
  • Rewards program
  • Get your paycheck two days faster
  • Budgeting app
  • Text notifications for every activity

NetSpend Black Visa Card Benefits

Just like the standard Netspend prepaid Visa card, the Black version allows you to get some benefits of using a visa card, but without any requirements. Anyone can get the card by applying for it under 10 business days because there are no credit checks or special requirements.

The Black Netspend card provides a few benefits that could come in handy, especially if your credit scores are bad. You'll be able to receive direct deposit and make money transactions the same way you would use a bank account. That means that it is a good option for people who don't want to open a bank account.

Most people who apply for this card use it for everyday shopping needs because it doesn't allow any overspending. You have to deposit money before you can make any purchases, so you won't be surprised by unexpected numbers. Moreover, you'll get a notification for every activity via the SMS texting system. You can also install the Netspend budget app that will help you plan your spending and give you tips on how to manage your money.

The card also comes with a cashback feature for some retailers. You can visit the official website to see which retailers offer cashback. Walmart and CVS Pharmacy are just some of the names on the list. Once you start using the card, you can load it with cash in over 130,000 locations across the US. You can then use the money to pay for bills and services that accept Visa cards.

The card allows you to withdraw money over the counter and at any ATM, but you'll have to pay a small fee every time you do so. You'll also have a $10 purchase cushion that might save you from an uncomfortable situation if you ever run out of funds.

You'll also get a $20 bonus for every friend who activates their Netspend prepaid card through your unique link provided upon account activation. You can even create a temporary card number for online transactions that run out at the end of each month.

Are There Any Disadvantages?

Acquiring this card is a breeze, but it does have some disadvantages you must consider before getting it. When you apply for the card, you'll be asked to pick one of 2 available plans.

  • The standard monthly plan comes with a fixed fee you must pay before you can use the card.
  • On the other hand, if you get the Pay-As-You-Go plan, you'll have to pay a fee every time you use the card.

But that's not all, there are all kinds of fees you'll have to pay as well. They include ATM withdrawal fees, over the counter withdrawal fees, inactivity fees, online billing fees, cash reload fees, and so on. Most of these fees are lower than 3 dollars, but they can add up to a hefty sum if you're not careful.  That's why you should crunch the numbers before picking the plan you're going to use. If you get the Pay-As-You-Go option, and if you use the card a lot, you'll have to pay fees that are often higher than the interest rate of the savings account.

Should You Use This Card?

This card is a great choice if you want to send and receive money but don't want to own a bank account. The application process is quick and easy, and you'll be able to accept direct deposits in under two weeks. You can get the card no matter what kind of credit scores you might have.

You should be aware of the many fees that come with this card, but if you use it correctly, that shouldn't be too much of a deal. It's also a good solution to limit monthly spending, and the budgeting app will let you keep track of all purchases.

Best NetSpend Black Visa Alternatives


  • No credit score checks
  • Fast and easy application
  • Transactions and direct deposits
  • SMS transaction notifications


  • High fees for everything you do
  • 90-day inactivity fee
  • ATM fees

Basic Information

Issuer: Meta Bank
Network: VISA®
Category: Consumer (Stored Value)
Common Uses:
  • Cards for Bad Credit
  • Prepaid Debit Cards
  • Guaranteed Approval
Rewards: Yes
Reward Types:
  • Cash Back Reward Cards
Reward Units: Cash

Rates & Fees

Introductory APR (%): N/A
Applied Towards: N/A
Intro Period: N/A
Regular APR: N/A
Regular APR Type: N/A
Annual Fee: N/A
Balance Transfer: No*
APR on Cash Advances: N/A
Grace Period: N/A
Late Payment Fee: N/A

Alternatives, Compare NetSpend® Visa® Prepaid Card (Black Card Design) With Similar Offers

*The information provided for NetSpend® Visa® Prepaid Card (Black Card Design) is believed to be accurate at the time of evaluation or recent update on December 31, 2020. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.
Market Pro Secure® has made it easy to find the best card offers for you. All you need to do is find the cards you like, click "Save Card", and compare side-by-side.

NetSpend® Visa® Prepaid Card (Black Card Design) Reviews - (1 User Reviews)

Share your experience and review the NetSpend® Visa® Prepaid Card (Black Card Design)
November 26, 2020
Income on Application
Credit Score
Don't know
Credit Limit
File for Bankruptcy
Slick, sexy, and useful
I got this card about a year ago and so far i like it. The thing that bugs me with this card is that i have to pay a fee every time i want to use it, so i only use it for bigger purchases over the internet. Aside from this, it’s a solid card that looks really good. It lets me know every time something happens with a text, and I didn’t even need a bank account to get it. I don’t use it all the time though, maybe once every two months for something i liked on Amazon. All in all a solid card option if you’re looking for a fuss free card.
Fees & Charges:
Features & Benefits:
Customer Support:
Application Process:
Comment (0)

NetSpend® Visa® Prepaid Card (Black Card Design)

NetSpend® Visa® Prepaid Card (Black Card Design)

Min. Credit Required: Bad Credit OK*