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The NetSpend Visa Prepaid Debit Card has little to no qualification requirements. No credit check is needed and it is not required that a cardholder be employed. Spending is interest-free, the fees are low, and there are many free services to take advantage of. The card is issued by MetaBank.

NetSpend Visa Prepaid Debit Card
Intro APR  APR Annual Fee 
N/A* N/A * N/A*
Unfortunately, we do not currently offer online application for this card. See similar cards

Basic Information

Issuer: Meta Bank
Card Network: VISA®
Card Category: Consumer (Stored Value)
Card Type: - Card for Bad Credit
- Guaranteed Approval
- Prepaid Debit Card
- Reward Card
Credit Needed: Bad Credit OK*

Card Review

Prepared by . Opinions expressed therein are solely those of the reviewer.

The NetSpend Visa Prepaid Debit Card can be used as the ideal online checking account for those with poor credit or anyone who finds it difficult to open a checking account. It also works for those wishing to not expose bank account information when making purchases online or offline. Others like to use the card to have emergency cash available when needed.

Card benefits include free online account access, the funds are insured by the FDIC up to the current FDIC limit, and direct deposit is fee rather than paying a reload fee. For direct deposit customers, cardholders receive a $10 cushion for when the card's balance falls a little short, a 5.00% APY savings account, and online bill pay services.
Card rating:
(4.5 out of 5) total 78 votes
Most attractive features: - Guaranteed approval
- FDIC insured
- NetSpend Premier
- Optional Savings Account
Least attractive features: - Monthly maintenance fee


Rewards: - Cash back with NetSpend Payback Rewards(TM).
- Prescription Discounts - up to 55% off!
Other Benefits: See Terms and Conditions
Online Card Account Access:
100% Guarantee Approval:

Card Finance & Rates

Introductory APR (%): N/A*
Introductory Period: N/A*
Regular APR (%): N/A*
Annual Fee: N/A*
Grace Period: N/A*

Balance Transfers

Balance Transfer:

Other Fees

Opening Minimum: $10.00
ATM Fee: $2.50
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
Account-to-Account Transfer (Internet)
Account-to-Account Transfer (Via Phone)
Card Fulfillment (Shipping & Handling)
Check or Additional Statement Mailing Fee
Monthly Service Fee
Non-Monetary Transactions (Via Internet)
PIN Purchase Convenience Fee
Signature Purchase Convenience Fee


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* The information provided for NetSpend® Visa® Prepaid Debit Card is believed to be accurate at the time of evaluation (Aug 23, 2017). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

SSL Security Security Note: Online application features Secure SSL Technology.

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