- 100% Approval - No credit check needed (ID verification required).
- Get your paycheck or government benefits up to 2 days faster with free direct deposit
- Earn cash back with NetSpend Payback Rewards(TM).
- Real-time activity alerts sent to your mobile phone.
- Prescription Discounts - up to 55% off!.
- Funds are FDIC insured up to the current coverage limit (ID verification required).
4.5 / 5.0 (21 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 Card
Reward Card
Credit Needed:
Bad Credit OK*
Grace Period:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Other Fees

Opening Minimum:
ATM Fee:
Additional Fees
- Account Maintenance (waived if account has debit or credit transaction and/or balance inquiry within 90 days): $5.95 per month
- Non-monetary transactions at ATM: up to $.50
- Non-monetary transactions via toll free number: up to $.50
- ATM fee: up to $2.50 per withdrawal, plus ATM owners fees, if any

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

Review by

Prepaid cards are the new solution to controlling debt and saving up money. Given the same, NetSpend MasterCard Prepaid Debit Card is a one card solution to help you pay your bills, shop, and have available money for ATM withdrawals.

NetSpend has come out with a way of making money usage easy on the card user's end by providing fast deposits and fast withdrawal procedures. Debit cards are simple and much better than credit cards as credit cards can easily pile on the debt and it is not a good spending option unless you can pay off the debts regularly. A debit card keeps you in check and makes spending money a wiser decision to save up.

Knowing that the debit card is the best option and also an easy way to make emergency payments makes this card a useful and a good investment opportunity for anyone's finances.


Most attractive:
- Guaranteed approval
- FDIC insured
- Cash Back rewards
- Optional Savings Account
Least attractive:
- Monthly maintenance fee


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

The information provided for NetSpend® MasterCard® Prepaid Debit Card is believed to be accurate at the time of evaluation (May 20, 2015). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.