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Review: Pink NetSpend Visa Prepaid Card

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Limited by low or damaged credit? With the Pink NetSpend Visa Prepaid Card, there’s no credit check or activation fee.

The Pink NetSpend Visa Prepaid Card is an easy way to get a credit card without the stress that comes with a traditional bank account.


Monthly fee


Monthly fee with a direct deposit


Signature transaction fee


PIN transaction fee


Card typeDebit
Card networkVisa
Monthly fee$9.95
Monthly fee with a direct deposit$5
Signature transaction fee$0
PIN transaction fee$0

Expert review

Leah Fallon

Review by

Leah Fallon is an editor for 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.

Expert review

If you want a prepaid card that doesn’t require spotless credit for approval and has relatively high withdrawal limits, the Pink NetSpend Visa Prepaid Card could be what you’re looking for. The card offers rewards on your everyday spending and the direct deposit.

Though the card has a long list of potential fees that can add up quickly, the 5% promotional savings interest rate is more than most.

Product details

  • Direct deposit fee. No fee
  • Cash value load fee. Third-party fee varies by location.
  • Funds transfer fee. Third-party fee varies by location.
  • Mobile check load fee. Fees determined by mobile check load service provider.
  • Account-to-account transfer fee. No fee for online transfers; $4.95 per transfer when initiated through an agent.
  • Balance inquiry fee. No fee for viewing your balance online or by text, email or phone; $0.50 when accessed through an agent or ATM.
  • Check request fee. $5.95 per request.
  • Additional statement mailing fee. $5.95 per statement.
  • Additional and replacement card fee. $9.95 per card.
  • Card delivery fee. Free delivery for seven to 10 business days, $20 for three-day delivery, $25 for one to two-day delivery.
  • Account maintenance fee. $5.95 per month.
  • Overdraft protection service fee. $15 per overdraft occurrence, capped at three per month.
  • Bill payment fee. Varies.
  • Transaction decline fee. $1 each declined transaction.
  • Stop-payment fee for ACH debit or preauthorized payment transactions. $10 each.
  • Custom card fee. $4.95 per card.
  • ATM withdrawal fee. $2.50 per withdrawal.
  • Cash reload fee at retailers. Fee may be assessed by reload location and may vary from location to location.

What are the benefits of the Pink NetSpend Visa Prepaid Card?

  • Get paid faster.
    Load money onto your card through direct deposit and get your money two days faster.
  • Rewards.
    Earn rewards as you spend money and purchase with your card. The more you spend, the more reward offers you can qualify for.
  • FDIC insured.
    All funds are insured up to your coverage limit.
  • Multiple uses.
    Use the card to deposit checks, make purchases, pay bills and more.

What to watch out for

  • Privacy policy.
    Depending on the product or service you use, MetaBank collects and shares information like your Social Security number, account transactions and balances and purchase and payment history even after you are no longer a customer.
  • Inactivity penalty.
    If you don’t use the card for at least 90 days, you’ll pay a $5.95 inactivity fee.
  • Upfront card cost.
    If you buy the card at Walmart, CVS or other locations, you’ll pay about $4.95. However, you can get it free online.
  • Fees.
    Watch out for potential fees that can easily accumulate as you use your card.

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.

Compare other prepaid cards

Name Product Signature transaction fee PIN transaction fee Monthly fee
PayPal Prepaid Mastercard
Use the no-cost direct deposit service and have access your funds up to two days faster than what traditional banks offer.
Pink Netspend Visa Prepaid Card (FeeAdvantage Plan)
$9.95 per month (or $5 with a $500+ direct deposit)
Trusted by more than 7 million people.
Netspend Visa Prepaid Card (Pay-As-You-Go Plan)
With Netspend, you get a convenient way to manage your money on a prepaid card that is packed with features. Visa Prepaid Card
$9.95 per month (or $0 with a $1,000+ direct deposit)
Customize your Visa prepaid card to fit you, and pick from two plans to fit your budget.
ACE Flare Account
$9.95 per month (or $5 with a $500+ direct deposit)
Withdraw up to $400 in cash per day without a fee at participating ACE locations when you have qualifying Direct Deposit activity.

Compare up to 4 providers

Am I eligible for this card?

There is no credit check required. But you must be at least 18 years old and able to prove your identity. The card is not available to residents of Vermont.

What information do I need to apply?

To sign up for the card, you’ll need to provide:

  • Your full name and contact information, including an email address.
  • Your date of birth.
  • Your bank information for direct deposit, including your routing and account numbers.
  • Government-issued ID, such as your driver’s license or passport number.

How do I apply for the Pink NetSpend Visa Prepaid Card

Applying for the Pink NetSpend Visa Prepaid Card is quick and simple:

  1. Visit NetSpend’s website.
  2. Enter your name, contact information and ID number.
  3. Choose your direct deposit method.
  4. Choose your card’s color and design.
  5. Agree to the terms and conditions.

Once approved, you’ll receive your card in a few weeks. You can use your card immediately after activation.

I got the prepaid card. Now what?

Once you sign up for a card, you’ll need to choose your fee plan from NetSpend’s three offerings:

Pay-As-You-Go.With this plan, you can expect to pay around $1 to $2 per transaction. There is no monthly fee.
FeeAdvantage Plan.This plan will set you back $9.95 per month in fees. General transaction fees are included in the monthly price.
NetSpend Premier FeeAdvantage Plan.You can expect to pay a $5 monthly plan fee, with a general transaction fee each month.

All of the plans have a foreign transaction surcharge that is 3.5% of each purchase amount.

Though fees on this card can add up very quickly, withdrawal limits are higher.

Ways to add money to your card:

  • Direct deposit
  • NetSpend reload network locations
  • Bank transfers
  • PayPal
  • Transfer money between NetSpend card accounts
  • Tax refunds

Frequently asked questions

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  1. Default Gravatar
    October 22, 2018

    I requested my credit report from Experian from you. What is my credit? It’s not available. I need help what to do? I need your advice. Thank you.

    • Avatarfinder Customer Care
      October 22, 2018

      Hi Redima,

      Thanks for your inquiry. Sorry to hear you’re having difficulty getting your credit score.

      Please know that we cannot check your credit score for you and only you can view and check this. If you still can’t view your credit score through us, we suggest referring to the bureau directly. You may go to this page.

      Hope this helps! For any other inquiries, feel free to send us a message anytime.

      Kind regards,

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