Different Types of NetSpend Cards – Which One is Right for You?

The four main differing types of NetSpend cards include – NetSpend Premier, the NetSpend Mastercard, the NetSpend Visa, and therefore the NetSpend Small Business Card.

Find out which one is right for you?

NetSpend Prepaid Cards are an excellent alternative to a checking account. Learn more about every sort of NetSpend Card, from Premier to Small Business.

The prepaid NetSpend card offers the features of a checking account , a bank account , and a open-end credit all rolled into one.

The following article will outline the benefits of every prepaid NetSpend card, so as to help you decide which one you should choose.

RELATED READ: Do Netspend Cards Have a Chip?

Different Types of NetSpend Cards

What are the various Types Of NetSpend Cards

NetSpend Visa & MasterCard

NetSpend Premier

NetSpend Small card

Alternatives To The NetSpend Small card

Conclusion

What are the various Types Of NetSpend Cards

There are variety of different NetSpend cards available. These include:

NetSpend Visa

NetSpend Mastercard

NetSpend Premier

NetSpend Small card

Before we enter further detail about the NetSpend Premier Card and the NetSpend Small Business Card, we’ll break down the advantages of NetSpend Mastercard, NetSpend Visa, and NetSpend Premier.

READ: what's the Netspend Premier Card ATM Withdrawal Limit?

NetSpend Visa & MasterCard

While there are differences to the Premier card, many of its benefits are shared with NetSpend Visa and NetSpend Mastercard. These include the following:

These cards offer payback rewards, meaning you’ll get cash back for qualifying purchases. These offers are often customized- tailored to your personal preferences.

Direct deposits, whether it’s for your wage or for state benefits, are going to be paid into your NetSpend account up to two days faster than paper checks paid to traditional bank accounts.

There are quite 130,000 ATMs available for NetSpend use across America.

With the NetSpend Mobile App, you'll manage your finances on the go.

NetSpend is way easier to access than credit cards through traditional banks. All you would like to do to be verified is provide your personal information (your full name, address, date of birth, Social Security number, and government issued photo ID); there's no credit check required, nor minimum balance.

These sorts of NetSpend cards also benefit from both fraud and payment protections.

The cards also are FDIC insured, meaning your account’s balance are going to be protected if anything happens to your money.

There are two different options when it involves paying for a NetSpend card. the primary is the pay-as-you-go plan, which suggests you won’t be paying a monthly fee but will instead be paying every time you make a purchase with the card. The fees are often between $1 and $2. the opposite way to pay is with NetSpend Premier.

NetSpend Premier

There are some benefits to upgrading to the NetSpend Premier card, that you’ll have to pay a monthly fee of $5. There’ll be no transaction fees, meaning that if you’re using the cardboard more than just three to five times every month, you’ll probably be paying a touch less than with the pay-as-you-go plan.

NetSpend Premier also features a sale cushion of $10 every month. This essentially works sort of a small overdraft. This card is additionally customizable; you can choose any custom image for no additional cost.

In order to qualify for a NetSpend Premier card, you’ll have to have moved a minimum of $500 to your account every month (whether from employment or from benefits).

NetSpend Small card

The NetSpend Small card offers a number of benefits to small businesses.

The first benefit is the reason most small businesses get a business card: you’ll be separating your personal expenses from your business expenses. this may naturally come in handy when it comes to filing your taxes, making the method a lot less complicated. Your NetSpend account also syncs with QuickBooks, also as the other most well known accounting software tools, meaning you’ll be ready to see your complete transaction history.

The NetSpend Small card also allows you to manage the spending of your employees. Supplying the cardboard with its funds means you can limit how much everyone’s spending, and with the tiny Business Prepaid Mastercard, you’re ready to distribute funds to up to 10 sub-accounts, meaning you'll see who’s spending what. Just note that adding sub-accounts costs an additional $1.95 each monthly . the entire per day for a NetSpend account is capped at $5,000.

There also are many ways by which you can add funds to your NetSpend Small Business card. also as ACH transfers, checks, physical reload stations, and direct deposits, you’ll even be able to use ProPay in order to add credit or debit card payments to your NetSpend account.

There are a pair of drawbacks to consider, though, when considering a NetSpend Small card . These include the following:

To get all that the Small Business card has to offer (such as adding a number of sub-accounts), you'll be paying monthly fees of up to $29.45. While this won't seem like much money in the grand scheme of things, there are far lower fees to be found elsewhere within the market. Certain other prepaid card providers even waive these monthly fees once you’ve spent enough money.

Obviously it’s a card designed for businesses, but counting on the size of your company, you would possibly end up learning the hard way that the card is too limited for your particular business. As previously mentioned, the utmost number of sub-accounts you can add to the Small Business NetSpend card is 10. With this in mind, also as the $5,000 daily limit and therefore the $25,000 maximum, you would possibly need to look elsewhere for a prepaid card that allows for more sub-accounts, and doesn’t have a spending limit.

Prepaid small business cards just like the ones just referred to do exist- but which are the most reliable? Find out below.

Alternatives To The NetSpend Small card

Whether NetSpend isn’t the proper prepaid card for you because you’re operating a larger business, or because you’re postpone by the monthly fees, there are variety of alternatives to NetSpend worth considering.

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