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NetSpend® Visa® Prepaid Card review

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Card Price
Card Maintenance Fee
Signup Bonus

Informr score
The NetSpend® Visa® Prepaid Card currently has an Informr score of 8.2 out of 10. This score is based on our evaluation of 13 sources including reviews from users and the web's most trusted critics.

What the Critics Are Saying...


Because the NetSpend® Visa® Prepaid Card is a prepaid card, you can worry less about overspending, late fees and overwhelming credit card debt. The card offers cashback rewards, the ability to control your budget and the option to open a high-yield savings account. And there’s no credit check when y...

- Leah Fallon, Finder
Upgraded Points
Upgraded Points

The Netspend Prepaid Visa card is a good option for individuals that need to manage their money, but perhaps have damaged credit scores or simply prefer to not have a bank account. It’s also a way to get around expensive fees for cashing checks, where the costs can eat into that monthly paycheck. Wi...

- Erin Miller, Upgraded Points

While the card has its advantages, there are better prepaid cards available on the market that perform similar functions at a more affordable cost—and offer rewards to boot. Netspend’s fees are a major drawback, especially the high ATM withdrawal fees. However, this card may be beneficial for anyone...

- Garrett Yarbrough, Bankrate

Netspend Prepaid Visa holders can have access to their direct deposits up to two days earlier than usual. Banks wait to make deposit funds available once the amount settles into the account. With Netspend, however, the deposit enters your account once payment instruction is received, meaning you hav...

- BestCards

If you’re looking for a prepaid card to use for everyday expenses, then the NetSpend® Visa® Prepaid Card wouldn’t be a bad choice since its branded with Visa and is accepted at more businesses than American Express. If you have at least one direct deposit over $500 funding the card every month, then...

- Julie Sherrier, LendingTree


Card Price $0.00

No fee for initial Card purchase for Card Accounts not acquired at a retail location.

Up to $9.95 For initial Card purchase at a retail location. Fee is determined and assessed by operator of retail location and varies depending on location. This is a third-party fee and is subject to change. 

Activation Fee $0.00
Card Maintenance Fee $0.00

$0 - Pay-As-You-GoPlan

$9.95 - Monthly Plan

$5.00 - Reduced Monthly Plan

Minimum Load Amount $1.00

Subject to the terms established by the individual reload location

Maximum Load Amount $7,500.00

Per rolling twenty-four (24) hour period

Max Balance $15,000.00
Transaction Fees
Add Money
Direct Deposit
Cash Loads

Up to $3.95 per load. Fee is determined and assessed by operator of Netspend Reload Network location and varies depending on location. This is a third-party fee and is subject to change.

Card to card transfer
Spend Money
Purchase Fee

$1 - Pay-As-You-GoPlan

$0 - Monthly Plan

$0 - Reduced Monthly Plan

Bill Payment
  • For Automated Clearing House (ACH) Payments
  • Fee Varies for MoneyGram® Bill Payment Service
Foreign Transaction Fee

Per foreign transaction. Calculated based on the U.S. dollar amount of the purchase transaction or cash withdrawal. Charged in addition to any applicable Purchase Transaction Fee or OTC Withdrawal Fee.

Get Cash
ATM withdrawal fee (Domestic) - In Network

You may also be charged a fee by the ATM operator

ATM withdrawal fee (Domestic) - Out of Network

You may also be charged a fee by the ATM operator

ATM withdrawal fee (International)

Foreign Transaction Fee applies

Over-the-counter cash withdrawal (Domestic)
Over-the-counter cash withdrawal (International)
Balance Inquiry (at ATM)

Per month effective after 90 days w/ no transaction

Card replacement
Card Replacement and Express Delivery Fee
  • Delivery in 3 business days
  • $25 for delivery in 1-2 business days
Monthly Paper Statements
Custom Card Fee OR Customization
Sign up bonus -
Rewards -
Features & Benefits
Additional Card Holders Yes
Funds Don't Expire No
Supported Currencies USD
Zero Liability Yes
Fraud Protection Yes
Custom Design Yes
Wireless Payments Apple Pay, Google Pay
Virtual Cards No
Minimum Age 18
Temporary Residents Yes
Additional comments -
Terms & Conditions Official Terms & Conditions
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