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- Regular Purchase APR See Terms*
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee See Terms*
- Credit Needed Limited / Poor
- Card Brand Visa®
- Regular Purchase APR See Terms*
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee See Terms*
- Credit Needed Limited / Poor
- Card Brand Visa®
Highlights
- 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.
Card Fees
Foreign Transaction Fee
See Terms*
Balance Transfer Fee
N/A
Penalty APR
See Terms*
Ongoing Information
Rewards Rate
See Terms*
Annual Fee
See Terms*
Expert Reviews
From the CompareCards.com Editorial Team, updated on Mar 12, 2025
With the NetSpend Visa Prepaid Card, there are no credit checks so even those with no credit history or bad credit can get approved for this card. The NetSpend Visa Prepaid Card looks like an ordinary credit card, but works like an ATM card because you load your own money onto the card. You can use their online account features and tools to manage your account and pay bills in easy, convenient ways.
You can select the fee plan that works best for you based on your spending habits, in order to minimize the transaction fees on purchases. Cardholders can also track their spending and set budget limits with NetSpend's budgeting system, and they can do online bill paying to pay bills like cell phone or utility bills that occur each month.
Expert Reviews of NetSpend® Visa® Prepaid Card
The Bottom Line
This is a pretty straightforward prepaid card, except that it doesn’t have as many miscellaneous and costly fees that many other prepaid cards do have. You don’t need good credit or even a credit history to get approved for this card and it’s accepted wherever Visa is honored.
The Good
There is no need for a credit check or credit history, so virtually anyone can qualify for this card.
The Not so Good
You have to deposit money in order to have a line of credit to draw from, and you can’t build credit with prepaid cards.
Editorial Note: This content is not provided by NetSpend. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by NetSpend.
Consumer Reviews
OFFER RATING
/5.0
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- Annual Fee $0
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- Reports to Credit Bureaus Build Credit When Used Responsibly
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Highlights
- No annual or hidden fees. See if you're approved in seconds
- Building your credit? Using the Capital One Platinum Secured card responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Platinum Secured Credit Card
- Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- Credit Line Put down a refundable $200 security deposit to get a $200 initial credit line.
- Regular Purchase APR 29.74% (Variable)
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Mastercard®
- Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
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- Annual Fee $0
- Credit Needed Limited / Poor
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Highlights
- No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
- Put down a refundable $200 security deposit to get a $200 initial credit line
- Building your credit? Using a card like this responsibly could help
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
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- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Quicksilver Secured Cash Rewards Credit Card
- Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
- APRs 10.99% Intro APR for 6 months on balance transfers, then 27.24% Variable APR
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- Annual Fee $0
- Credit Needed Limited / Poor
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- APRs 10.99% Intro APR for 6 months on balance transfers, then 27.24% Variable APR
- Rates and Fees No annual fee, no late fee on your first late payment. No penalty APR.*
- Annual Fee $0
- Credit Needed Limited / Poor
- Card Brand Discover
Highlights
- No credit score required to apply. No Annual Fee.
- Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
- 30 points or more—that’s how much you could increase your FICO Credit Score on average after just six months of responsible use.
- Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
- Terms and conditions apply.
See additional details for Discover it® Secured Credit Card
