- 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.
3.8 / 5.0 (47 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
Annual Fee:
Card Network:
Card Category:
Consumer (Stored Value)
Card Type:
Card for Bad Credit
Guaranteed Approval
Prepaid & Debit
Reward Card
Credit Needed:
Bad Credit OK*
Grace Period:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Other Fees

Opening Minimum:
Application Fee:
ATM Fee:
Additional Fees
  ATM Decline Fee - $1.00
Account-to-Account Transfer (Internet) - FREE
Account-to-Account Transfer (Via Phone) - $1.00
Card Fulfillment (Shipping & Handling) - $9.95
Check or Additional Statement Mailing Fee - $5.95
Monthly Service Fee - $9.95
Non-Monetary Transactions (Via Internet) - FREE
PIN Purchase Convenience Fee - FREE
Signature Purchase Convenience Fee - FREE


Most attractive:
- 100% approval
- No minimum balance
- No credit check
- FDIC insured
Least attractive:
- Maintenance fee


- Cash back with NetSpend Payback Rewards(TM)
Other Benefits:
See Terms and Conditions
Online Access:
100% Guarantee Approval:

*The information provided for NetSpend® Visa® Prepaid Card (Black Card Design) is believed to be accurate at the time of evaluation (Jan 27, 2021). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.