- With Direct Deposit, you can get paid faster than a paper check.
- No late fees or interest charges because this is not a credit card.
- Use the Netspend Mobile App to manage your Card Account on the go and enroll to get text messages or email alerts (Message & data rates may apply).
- Card use is subject to activation and ID verification. Terms and Costs apply.
- Card issued by Pathward N.A., Member FDIC. Card may be used everywhere Visa debit card is accepted.
- See additional NetSpend® Prepaid Visa® details.
4.5 / 5.0 (53 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
APR Type:
Annual Fee:
Card Network:
Card Category:
Consumer (Stored Value)
Card Type:
Card for Bad Credit
Guaranteed Approval
Instant Decision
Prepaid Card
Tax Refund
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
Cash reload fee: $3.95
Direct Deposit (ACH Deposit): FREE
ATM balance inquiry: $0.50
Live customer service (per call): FREE
Inactivity (after 90 days w/ no trans.): $5.95 per mo.

See terms and conditions -
CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by

The NetSpend Visa card gives cardholders the opportunity to enjoy the benefits of a credit card, but with limited spending. The card can be used on a worldwide basis, with use anywhere Visa cards are accepted. There is no worry about spending over the limit because the limit is based upon how much money is deposited into the account.

There is a monthly fee that is charged and cardholders are able to deposit money into the account through direct deposit or by visiting a NetSpend reload center, which can be found at gas stations, grocery stores, and other retailers. Other fees include the card fulfillment fee, which is shipping and handling; a check or additional statement fee, ATM cash withdrawal fee, a card replacement fee if lost or stolen, and an account maintenance fee if the card is not used in a 90 day period.


Most attractive:
- Guaranteed approval
- FDIC insured
- NetSpend Premier
- Optional Savings Account
Least attractive:
- Inactivity Fee


- $20 Welcome Offer
- 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 (Classic) is believed to be accurate at the time of evaluation (Dec 14, 2022). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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