Debit Cards
Netspend® Prepaid Card Review
Looking for a modern-day banking solution? Check out our full review of the Netspend® Prepaid Card and see how it can work for you.
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Note: Some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.
Netspend® Prepaid Card: Flexible Plans

This Netspend® Prepaid Card review shows you that it is one of the most popular prepaid cards on the market. It offers a variety of features and benefits that make it a great choice for many consumers.
One of the best things about the Netspend card is that it can be used anywhere a visa is accepted. In addition, there are no credit checks or activation fees associated with the card. Check out more about this option!
- Credit Score: All credit scores are accepted;
- Annual Fee: Up to $9.95/month;
- Regular APR: N/A;
- Welcome bonus: N/A;
- Rewards: N/A.
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How does the Netspend® Prepaid Card work?
The Netspend® Prepaid Card presented in this review is a very interesting card to avoid debt. After all, you can only use it if you have deposited money.
A great benefit of the Netspend card is that it offers a variety of reload options. Consumers can load funds onto their cards via direct deposit, bank transfer, or mobile check deposit.
Therefore, the Netspend card offers a variety of security features, such as fraud protection and online account management.
However, to enjoy the Netspend® Prepaid Card services, you must pay a monthly fee of $9.95/month.
Netspend® Prepaid Card pros and cons

The Netspend® Prepaid Card, featured in this review, is a great option for getting rid of credit card debt. After all, you only use it when you deposit money, and there is no installment payment.
However, to use this option, you must pay an associated monthly fee and have a social security number. Check out more about the pros and cons of this option.
Pros
- Pay-As-You-Go and Monthly Plans: Netspend has flexible plans to fit your needs.
- No Minimum Balance, Interest Rates, Cash Advance, or Late Payment Fees: You’ll never have to worry about being penalized for not having a large balance or making late payments.
- No Application Fee (if the application is made online): Avoid extra fees by applying for your card online.
Cons
- Relatively high monthly fee compared to other cards with similar service, without any right to waive the fee even in the basic plan.
- There is no free way to recharge or withdraw; there is always an associated fee;
- Inactivity is charged through some fees, which many similar cards do not have.
Does my credit score need to be good?
As shown in this Netspend® Prepaid Card review, this option works with cash deposit only. In this way, as there is no possibility of financing, consulting the credit score is unnecessary.
Also, the monthly fees will not change regardless of your credit score. However, the value changes according to the plan you intend to choose: basic or advanced.
Want to apply for the Netspend® Prepaid Card?
A Netspend® Prepaid Card is a great way to manage your finances and make purchases without carrying around cash. The best way to get a Netspend card is to apply online.
You can also purchase a Netspend card from many retail locations, although doing so will cost you up to $9.95.
Once you have a Netspend card, you can use it anywhere Visa is accepted. See how to apply for this option!
Apply online
Netspend® Prepaid Cards can be used anywhere Visa® or Mastercard® debit cards are accepted so that you can use them for online shopping, bill payments, and everyday purchases.
Plus, no credit check is required to get a Netspend® Prepaid Card, so it’s easy to start. Sign up today and get your Netspend® Prepaid Card in the mail in just a few days.
To apply for the Netspend® Prepaid Card, you will not need to open an account, just your details. The online application is the easiest way to quickly get your prepaid card, which arrives in a few days.
In this sense, you need to know your data to carry out the application. However, you must have a valid social security number confirming your US citizenship identity.
In addition, you need to have your residence and financial details up to date. So, just go to the official website, fill in the form with your personal and financial details, and wait.
Apply using the app
The application for the Netspend® Prepaid Card is made exclusively through the official website. Therefore, you must follow the same steps as the previous item to open your account.
However, you can do this through your mobile device’s browser. Remember that you need to have a valid social security number. In addition, it is important to have updated data to fill out the form.
However, Netspend has a mobile app that allows you to monitor your account. In this sense, you can consciously monitor your deposits and expenses.
Netspend® Prepaid Card vs. H&R Block Emerald Prepaid Mastercard®

If you are looking for a prepaid card, the Netspend® Prepaid Card is a good option. After all, it brings the convenience of use with lower associated fees and only when you are going to use it.
With this prepaid card option, you can shop without worrying about future debts.
In addition, you can stay for short periods without using it and without being charged for it. However, know that it is not the only option.
You might also consider an alternative: the H&R Block Emerald Prepaid Mastercard®. With it, you have no associated APR fee. In addition, all types of credit scores are accepted. Check out the comparison.
Netspend® Prepaid Card
- Credit Score: All credit scores are accepted;
- Annual Fee: Up to $9.95/month;
- Regular APR: N/A;
- Welcome bonus: N/A;
- Rewards: N/A.
H&R Block Emerald Prepaid Mastercard®
- Credit Score: All credit scores are accepted;
- Annual Fee: $0;
- Regular APR: 0% fixed;
- Welcome bonus: None;
- Rewards: None.
Do you think the H&R Block Emerald Prepaid Mastercard® can be the best option for your finances? If so, read our post below to learn how to apply!
How to apply for H&R Block Emerald Prepaid Card
The H&R Block Emerald Prepaid Mastercard® has great member terms. See how easy it is to apply for and receive your card.
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