This is a review of NetSpend® Prepaid MasterCard®. This card is perfect for people with No Credit Check* credit. NetSpend® Prepaid MasterCard® is issued by .
- 100% Approval – No credit check needed (ID verification required).
- Get your paycheck or government benefits up to 2 days faster with free direct deposit
- Earn cash back with NetSpend Payback Rewards(TM).
- Real-time activity alerts sent to your mobile phone.
- Prescription Discounts – up to 55% off!
- Funds are FDIC insured up to the current coverage limit (ID verification required).
The All Access Prepaid MasterCard gives you the simplicity and the convenience you need to manage your finances. All Access is more than just a card – it’s a full service account that takes care of all of your financial needs in just one place.
What is the APR of NetSpend® Prepaid MasterCard®
APR Explained: The APR rate is the annual interest rate you will pay on any remaining balance left on your card at the end of the billing cycle. You want to find a card with a low APR, for a list of all of our low APR credit cards.
What is the Annual Fee of NetSpend® Prepaid MasterCard®
Annual Fee Explained: Certain credit cards have a fee that you are required to pay every year to continue to use the card. Cards with annual fees tend to have benefits associated with them like airline miles, points, or cash back. Explore the best rewards credit cards on our site.
What is the Intro APR on NetSpend® Prepaid MasterCard®
Intro APR: N/A*
Intro APR Explained: An introductory APR (annual percentage rate) is the rate that is charged for any balance that remains on your account. The difference between an introductory rate and your regular APR is the introductory period will end. Introductory rates are typically 3 months, 6 months or 12 months. Browse our entire list of >low APR credit cards.
Does NetSpend® Prepaid MasterCard® Allow Balance Transfers?
Balance Transfers: N/A*
Balance Transfer Fee: See Terms*
Balance Transfer Intro APR: N/A*
Balance Transfer Intro APR Period: N/A*
Balance Transfer Go To Rate: N/A*
Balance Transfers Explain: So what are balance transfers? Balance transfers are a credit card mechanism that allows you to transfer a credit card from one card to another. Why would you want to do this? Say you have a card with a 15% APR. You can transfer this balance to a credit card with an APR of just 5% (or possibly 0%, please check out balance transfer credit cards for offers like this). When you transfer the balance, you will save a considerable amount of money in monthly fees. The features to look for on a balance transfer card are the Balance Transfer Fees, Balance Transfer Go To Rate (which is the rate after the intro period, and the Balance Transfer Intro APR (the 0% rate)
What are the Cash Advance Terms for NetSpend® Prepaid MasterCard®?
Cash Advance Fee: See Terms*
NetSpend® Prepaid MasterCard® Cash Advance Explained: Cash advances, what are they? Are they the same as cash? Cash advance is one of the most expensive ways to get cash from your credit card and we almost always recommend you do not use the cash advance feature of the card. There are very high APRs and fees associated with cash advances. They allow you to get cash by using your credit card instead of a debit card.
Are There Any Transaction Fees for Purchases for NetSpend® Prepaid MasterCard®
For certain prepaid debit cards and some secured credit cards, there are transaction fees for using your card as a debit card or using the card at an ATM to retrieve cash. The fees for this card are as follows:
Debit Card Transaction Fee: $2
Credit Card Purchase Fee: $1
Load Fee: $0
ATM Fee: $2.50*
Activation Fee: $0
Foreign Currency Exchange Fee: See Terms*
What Are Card Penalties for NetSpend® Prepaid MasterCard®
If you miss a payment, the APR for cash advances goes to See Terms*
If you miss a payment, the APR for purchases becomes See Terms*
If you miss a payment, the late fee is See Terms*
What credit score is required for NetSpend® Prepaid MasterCard®
Score Required: No Credit Check*
Credit Score Explained: To qualify for NetSpend® Prepaid MasterCard®, you need to have a credit score that is No Credit Check*. If your credit score is not at this level, we can recommend another credit card that is perfectly suited for your credit score. Click here to browse our credit cards by credit score.