NetSpend Prepaid Visa Debit Card (Fee Advantage Version)

NetSpend continues to lead the pack in innovation and service throughout the prepaid industry. It will come as no surprise that the Fee Advantage version of the prepaid NetSpend Visa is a top notch financial tool. You can select a prepaid NetSpend Visa card in 3 different plan options: the Premier FEE Advantage, Pay as You go, or “FEE Advantage” plan (for those choosing not to use direct deposit). Millions of consumers around the globe have chosen the NetSpend Visa, maybe you should give it a look.

Review of the NetSpend Prepaid Visa Debit Card (Fee Advantage Version)

NetSpend Prepaid Visa Debit Card (Fee Advantage Version)


If you are currently or looking to be a heavy prepaid debit card user and do not wish to direct deposit funds on the card, then this might be the product for you. One monthly fee covers all the purchase transactions you make provided there is sufficient funds loaded on your card. And don’t forget that NetSpend accounts are FDIC protected, come with the Visa Zero Liability protection plan and that NetSpend scores high on the Better Business Bureau’s customer service report card. Check out some of the fantastic features of the NetSpend prepaid debit Visa card:

  • 100% Approval – No credit check needed (ID verification required).
  • Get your paycheck, government benefits and tax refund faster with free direct deposit
  • New – Get rewarded with NetSpend Payback RewardTM options.
  • Real-time account activity alerts to your mobile phone.
  • Funds are FDIC insured up to the current coverage limit (ID verification required).

    Apply Now!

*Read this Card’s Current Terms & Conditions

How We Rated the NetSpend Fee Advantage Visa Card

Card FeaturesNetSpend Fee Advantage Visa Card Features
FeesNetSpend Fee Advantage Visa Card Fees
Disclosure ClarityNetSpend Fee Advantage Visa Card Disclosure
BBB RatingNetSpend Fee Advantage Visa Card BBB Rating
Load OptionsNetSpend Fee Advantage Visa Card Reload Options
Overall RatingNetSpend Fee Advantage Visa Card Rating
 Rating Explanation
NetSpend Fee Advantage Visa Card 4 GetDebit.com Editor The NetSpend line of prepaid cards continue to receive some of our highest scores for their features and for their load options (you can load these cards in tons of different ways). Also, the company behind the NetSpend cards (NetSpend Corp.) is very highly rated by the Better Business Bureau (which shows that they are serious about dealing with consumer issues). The only reasons why this card is not the absolute highest rated card is because the Activation Fee and various other fees are slightly higher than some other cards. (which is typical for a "Fee Advantage" type - higher monthly fees and lower transaction fees - of card). However, if you are a heavy user of your card (and make many ATM withdrawals and PIN purchases each month), this card is extremely inexpensive. If you have a need for lighter use, we recommend the NetSpend "Pay as You Go" line of cards.
The NetSpend line of prepaid cards continue to receive some of our highest scores for their features and for their load options (you can load these cards in tons of different ways). Also, the company behind the NetSpend cards (NetSpend Corp.) is very highly rated by the Better Business Bureau (which shows that they are serious about dealing with consumer issues). The only reasons why this card is not the absolute highest rated card is because the Activation Fee and various other fees are slightly higher than some other cards. (which is typical for a "Fee Advantage" type - higher monthly fees and lower transaction fees - of card). However, if you are a heavy user of your card (and make many ATM withdrawals and PIN purchases each month), this card is extremely inexpensive. If you have a need for lighter use, we recommend the NetSpend "Pay as You Go" line of cards.

NetSpend Fee Advantage Visa Card Fee Examples

Want to know how much the NetSpend Fee Advantage Visa Card might cost you to use in a typical month? We have crunched the numbers for you! We also show how NetSpend Fee Advantage Visa Cardstacks up against some common alternatives so you can see if you would save money using this card. Please remember -- cost should NOT be the only reason why you pick a card -- make sure to consider the card's features (some cards have more features than a typical bank account).

To see different scenarios, change the following variables.
Number of transactions each month NetSpend Fee Advantage Visa Card Bank of America "Regular" Checking Check Cashing Store
Monthly Fee Once per month $ $ $
Cash paycheck (per month) $ $ $ $*
ATM Withdrawals $ $ $
Bill Payments $ $ $
Online Purchases $ $ N/A
In-Store Purchases*** $ $ N/A
Overdrafts:**** $ $
Total $ $ $

Note: * Based on a U.S. Average check cashing rate of 4.54% (per the Brookings Institution),
**Using the Money Order fees from the U.S. Post Office (Some of the lowest available),
*** We assume that 1/2 of your in-store purchases will be made using your PIN,
****A LARGE portion of Americans experience at least 1 overdraft each Month. Also note that the Check Casher CANNOT buy items online, and must use cash for all purchases.

Fees Associated With The NetSpend Fee Advantage Visa Card*

Activation Fee:$9.95 Card Limit:$2500
Monthly Fee:$9.95 ATM Withdrawal:**$2.50
Signature Transactions:***$0.00 ATM Balance Inquiry:$0.50
PIN Transactions:***$0.00 Bill Payments:$0.00

The NetSpend prepaid Visa with the "Fee Advantage" plan has a very simple fee structure. You pay for ATM transactions and a monthly fee. Point of sale PIN and signature debit transactions are FREE.


Notes:
* Fees verified as of 01/18/2011. Check the Current Terms & Conditions for a list of all the fees.
** Some ATM operators may charge a fee for use of their ATMs in addition to this fee.
*** To use your NetSpend Fee Advantage Visa Card in a "signature" transaction, select "Credit" when checking out at a brick and mortar merchant. Most internet transactions are automatically processed as "signature" transactions.

NetSpend Fee Advantage Visa Card Card Options

The NetSpend line of cards comes in a variety of options, including the "Pay as You Go" plan, the "Fee Advantage" plan, and the "Premier Fee Advantage" plan. NetSpend issues both Visa and MasterCard debit cards in each of these plans.

Here are GetDebit’s “Low Fee Tips” for this Card

Many prepaid cards, including the NetSpend "Fee Advantage" Visa card, have fees that can be avoided with careful use.

Tips for Using The NetSpend Prepaid Visa Debit Card (Fee Advantage Version)


Features of this Card

Activation Fee$9.95
Monthly Fee$9.95
Card NetworkVisa
IssuerMetaBank
Bill Payment?Yes
Credit Builder?No
FDIC Insurance?Yes