Black NetSpend® Visa® Prepaid Card

Good checking account alternative for everyday budgeting and spending

Updated: Apr 24, 2022

Advertiser Disclosure

See NetSpend Visa Classic card to apply for Black design.

You can obtain this NetSpend Visa Prepaid Card with Black card design 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 a 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.




0% Fixed



117 User Ratings

Black NetSpend® Visa® Prepaid Card

This card is not available right now.

Compare Similar

Application Fee


Credit Reporting


Recommended Credit Score

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.

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 Black Netspend 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.

Black NetSpend 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 in under 10 business days because there are no credit checks or special requirements.

  • Checking account alternative. 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.
  • Good for budgeting. 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.
  • Cash back rewards. 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.
  • Referral bonus. 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.

  • High fees. 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.
  • Inactivity fee. If you don’t use your card for 90 days it will incur an inactivity fee charged monthly.

Netspend Plans

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.

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 score 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. See Netspend Prepaid Card Review.

Best Black NetSpend Visa Alternatives

Other Netspend Offers

Compare Similar
Basic Information
Issuer: Meta Bank
Network: VISA®
Category: Consumer (Stored Value)
Best Used For:
  • Cards for Bad Credit
  • Prepaid Cards
  • Guaranteed Approval
  • No Credit Check
Rewards: Yes
Reward Types:
  • Cash Back Rewards
Reward Units: Cash
Rates & Fees
Annual Fee: $0
Opening Min: $10
Application Fee: $0
ATM Fee: $2.95
Other Fees:
  • Cash reload fee: $3.95
  • Direct Deposit (ACH Deposit): FREE
  • ATM balance inquiry: $0.50
  • Live customer service (per call): FREE
  • Inactivity (after 90 days w/ no trans.): $5.95 per mo.

Similar Offers

Non-Affiliate Offer Disclosure
*The information provided for Black NetSpend® Visa® Prepaid Card is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

Black NetSpend® Visa® Prepaid Card

Reviews - (1 User Reviews)
Share your experience and rate the Black NetSpend® Visa® Prepaid Card
November 26, 2020
M. McDonald (18-25) - Cardholder
Income on Application
Credit Score
Don't know
Credit Limit
Filed 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)

Black NetSpend® Visa® Prepaid Card

Black NetSpend® Visa® Prepaid Card

Rec. Credit Score: Bad Credit OK

Save to Compare

My Saved Cards (0)

Compare Saved Cards

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.


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.