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With the NetSpend® Visa® Prepaid Card, you can deposit checks and pay bills, while gaining more control over your spending. Unlike other prepaid cards, the NetSpend® Visa® Prepaid Card includes a rewards program and allows you to get paychecks and government benefits up to two days faster with direct deposit. But it comes with a long list of potential fees.
Up to $9.95
Monthly maintenance fee
From $0
Signature transaction fee
From $0
PIN transaction fee
Card type | Debit |
---|---|
Card network | Visa |
Monthly fee | $9.95 |
Monthly fee (pay-as-you-go plan) | $0 |
Monthly fee with a direct deposit | $5 |
Signature transaction fee | $0 |
Signature transaction fee (pay-as-you-go plan) | $1.50 |
PIN transaction fee | $0 |
PIN transaction fee (pay-as-you-go plan) | $1.50 |
Additional Cardholder Fee | $9.95 |
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Leah Fallon is an editor for Finder. With 10 years of teaching English under her belt, it was a natural progression to move into editorial. She's written feature pieces for regional print and digital media and today helps fix annoying apostrophes, elusive infinitives and the muddled em and en dash. When she's not helping people with their finances, you can find her exploring the trails of Loudoun County, Virginia and wrangling her two sprightly girls.
Because the NetSpend® Visa® Prepaid Card is a prepaid card, you can worry less about overspending, late fees and overwhelming credit card debt. The card offers cashback rewards, the ability to control your budget and the option to open a high-yield savings account. And there’s no credit check when you sign up.
If you’re looking for a credit card but don’t have stellar credit, the NetSpend® Visa® Prepaid Card is a viable option. But it has a lengthy list of potential fees you’ll want to watch out for.
Netspend offers you a choice between three different fee plans. To qualify for the Premier FeeAdvantage Plan, you must have at least $500 in monthly direct deposits.
Plan | Monthly fee | Transaction fee |
---|---|---|
Pay-As-You-Go Plan | $0 | $1.50 — Signature-based $1.50 — PIN-based 4% — Foreign transaction |
FeeAdvantage Plan | $9.95 | Free — Signature-based Free — PIN-based 4% — Foreign transaction |
Premier FeeAdvantage Plan | $5 | Free — Signature-based Free — PIN-based 4% — Foreign transaction |
Applying for the NetSpend® Visa® Prepaid Card is quick and simple:
Once approved, you’ll receive your card in a few weeks. You’ll need to activate your card, but you can begin using it immediately after.
Activate your Netspend card online at netspend.com/account/activate. Or, call customer service at 866-387-7363.
Netspend was founded in 1999 and has served more than 10 million customers. It offers over 130,000 reloading locations, and funds are FDIC-insured. Cards are issued through MetaBank.
If you want a prepaid card with zero to minimal fees, you’ll want to keep looking. As always, compare your options when looking for a prepaid card.
There’s no credit check required, so you can apply with poor credit. But you must be at least 18 years old and able to prove your identity. The card is available in all states except for Vermont.
To sign up for the card you’ll need to provide:
There are several ways to add and reload money to your account:
There are a variety of ways to get in touch with Netspend customer service: