NetSpend® Visa® Prepaid Card

Good choice for people with bad credit scores and those who don't own a bank account

Updated: Mar 31, 2021

Advertiser Disclosure

All you have to do to get one is to apply for it online, and the card will come to your doorstep in less than 10 business days. The card is issued by MetaBank, an official member of FDIC, and it allows you to receive direct deposits, transfer money, pay bills, and earn interest along the way. The card doesn't require any credit score checks, so you don't have to worry about getting declined. Once you get the card, you can use it as a standard visa card, but only after you place a deposit. You can also use the card to receive direct deposits from the government, and you can also get your paycheck two days earlier. When you run out of cash, just go to one of over 130,000 reload locations in the US and reload the card for a small fee. The card comes with a complimentary app that helps you control your budget, and you can get text notifications whenever the card is used.

ANNUAL FEE

N/A

ONGOING APR

N/A

INTRO APR

N/A

580 User Ratings

NetSpend® Visa® Prepaid Card

at Meta Bank Secured website

Apply Now

Application Fee

N/A

Credit Reporting

No

Minimum Credit Needed

Bad Credit OK

Key Features

  • Win up to $5,000 in Netspend Tax Time* Sweeps!
  • 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® Prepaid Visa® details.

Our Take

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Basic Information
Issuer: Meta Bank
Network: VISA®
Category: Consumer (Stored Value)
Best Used For:
  • Cards for Bad Credit
  • Instant Decision
  • Prepaid & Debit
  • Guaranteed Approval
  • Tax Refund
Rewards: Yes
Reward Types:
  • Cash Back Rewards
Reward Units: Cash
Rates & Fees
Opening Min: $10
ATM Fee: $2.5
Other Fees:
  • Card Purchase Fee: Up to $9.95
  • Foreign Transaction Surcharge: 4%
  • Replacement Card Fee: $9.95
  • Custom Card Fee: $4.95 (per card)
  • Inactivity Fee: $5.95 (after 90 days of no card activity)

NetSpend® Visa® Prepaid Card Alternatives


NetSpend® Visa® Prepaid Card

NetSpend® Visa® Prepaid Card

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Annual Fee

N/A

Regular APR

N/A

Intro APR

N/A

Min. Credit Level

Bad Credit OK

Additional Information & Comments

Plan Fee Options: Pay-As-You-GoPlan $0, Monthly Plan $9.95, Reduced Monthly Plan $5.00. The Pay-As-You-Go Plan listed above is automatically applied to your Card Account when you first obtain the Card. You may change your Plan any time by calling 1-86-NETSPEND/1-866-387-7363.

IMPORTANT
*The information provided for NetSpend® Visa® Prepaid Card is believed to be accurate at the time of evaluation or recent update on March 31, 2021. 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.

NetSpend® Visa® Prepaid Card

Reviews - (4 User Reviews)
Share your experience and rate the NetSpend® Visa® Prepaid Card
(Good)
November 12, 2020
Jared (36-45) - Cardholder
Income on Application
$38000
Credit Score
Fair (580-669)
Credit Limit
$1500
Filed for Bankruptcy
No

Useful for controlling spendings

I needed a card for getting my paycheck and seamlessly paying for my daily purchases, but I didn’t want a credit card. I’m generally not very careful with my spending, so I didn’t want to risk getting into debt. I’m very satisfied with NetSpend, which actually helped me become more responsible with money. Love the rewards program. I get cashback on almost all of my purchases. If I had to single out one bad thing about this card, it would be all the fees. They’re not hefty, but they can easily accumulate. But then again, almost every prepaid card comes with ATM fees, monthly fees, and the like. It’s not a deal-breaker. I’ll definitely keep using this card.
Fees & Charges:
4/5
Features & Benefits:
3/5
Customer Support:
5/5
Application Process:
4/5
Comment (0)

(Good)
August 18, 2020
Jerry (18-25) - Cardholder
Income on Application
$3000
Credit Score
Excellent (740-850)
Credit Limit
$6000
Filed for Bankruptcy
No

I like it

I think this card is really beneficial
Fees & Charges:
4/5
Features & Benefits:
5/5
Customer Support:
4/5
Application Process:
4/5
Comment (0)

(Excellent)
July 7, 2020
Tim (26-35) - Cardholder
Income on Application
$57300
Credit Score
Fair (580-669)
Credit Limit
$2500
Filed for Bankruptcy
No

Very satisfied with Netspend visa

Hello everyone, just wanted to share my experiences with this card. I have it for about 8 months now, and I like what I’m getting… I constantly write my budget through my email, and it’s easy to stick to it… For example, I just got a delivery from Amazon of various food products, and all of the purchases are accounted for accurately. It’s very easy to withdraw or add cash through the retail network this card works with. But make sure that you shop with those retailers before getting this card.
Fees & Charges:
4/5
Features & Benefits:
4/5
Customer Support:
5/5
Application Process:
5/5
Comment (0)

NetSpend® Visa® Prepaid Card

NetSpend® Visa® Prepaid Card

Min. Credit Required: Bad Credit OK

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