No, you won’t be able to buy and load NetSpend Prepaid cards with a Credit Card. Similarly, for loading NetSpend cards with funds, Credit cards aren’t an option. There are indirect means of using credit cards for loading your NetSpend card via – Direct Deposit, PayPal, Bank Transfers, Netspend Account-to-Account Transfers and Reload Network Locations

Wondering if you can buy a Netspend card with a credit card? Here’s all you need to know about buying and loading your Netspend prepaid card.

Founded in 1999, Netspend is a global payments company that offers prepaid payment solutions. Their products offer a simple alternative to cash, credit, and debit cards.

Poor credit score? No problem! Netspend does not ask for a credit check. The only requirement users must complete when applying for a Netspend card is the verification process.

The Netspend verification process has to follow the USA Patriot Act that requires every financial service provider to obtain, verify and record information that helps identify a card user.

So, can you buy a Netspend card with a credit card? Not really. A Netspend card does not require you to make a purchase, but rather submit your details.

Want to know more about the information submission process? Keep reading!

Read: Can You Use Netspend for Uber?

Can You Buy a Netspend Card With a Credit Card

Can You Buy a Netspend Card With a Credit Card?

No. You can’t buy a Netspend card with a credit card and you don’t have to!

To use a Netspend card, you simply need to follow the application and verification process.

If you want to buy a Netspend card, you need to provide your personal information such as your name, address, and your physical address.

The next step is to select your prepaid card and the payments you wish to receive on your account. Once you’ve selected the cards, you can now go through the privacy policy, cardholder agreement, and the fees associated with your prepaid card.

And that’s it! That’s all you need to do to get a Netspend card.

Once these processes are complete, it will take 7-10 days for you to receive your Netspend card.

You are not required to pay any purchase fee to buy the Netspend card online. However, the card does come with multiple fees such as:

  • Transaction fees
  • Inactivity fees
  • ATM withdrawal fees
  • ATM balance inquiry fees
  • Cash reload fees

And more.

For Netspend cards purchased at retail locations, additional charges of up to $9.95 may be incurred.

Once you receive the Netspend card, there’s one more step you need to follow before you can use the card, which is the verification process.

Under the USA Patriot Act, you will be required to submit your name, address, date of birth, and government ID number. You may also be required to submit a copy of an identifying document such as your driver’s license.

Based on the documents you submit, your account may be partially or completely verified.

Partially verified accounts can only access their cards for in-store transactions. Fully verified accounts, on the other hand, can use their cards for ATM withdrawals, international transactions, account-to-account transfers, and additional loads.

Read: Can You Link a Credit Card to Cash App? 

Can You Load a Netspend Card With a Credit Card?

No. Unfortunately, you cannot load your Netspend card with a credit card. However, there are several other methods you can use for transferring funds into your Netspend account. 

1. Direct Deposit

Netspend allows you to have your paychecks, government deposits, and tax refunds deposited directly to your account.

You also gain access to your funds two days earlier with Netspend. All you need to wait for now is your funds to deposit electronically into your account.

2. PayPal

Using your PayPal account, you can send funds to yourself on your Netspend account.

3. Bank Transfers

Make bank transfers to your Netspend account from a checking account, savings account, or debit card.

4. Netspend Account-to-Account Transfers

Another option available to you is transferring funds from one Netspend account to another. 

5. Netspend Reload Network Locations

More than 130,000 Netspend reload locations are available to Netspend cardholders who wish to deposit checks or cash in person.

You can find these locations through the Reload Center Locator on the Netspend official website.

Not all reload locations are the same though! Some reload locations will charge you a higher fee and some may not charge you at all. The high fee reloads locations might charge up to $3.95 for transactions. If you want to pay minimum charges on reload, you’d benefit by looking for low-cost reload locations on the Netspend website.

You can not only transfer/deposit/add funds to your Netspend account yourself but also have funds coming in from other accounts.

Using the above-mentioned methods, your friends or family members can send you money to your prepaid card. Just make sure they use the same name that is mentioned on the card and routing and account number.

Netspend allows you to share a routing and account number with your employers, friends, family, etc. to receive funds.

You can find your routing and account number by using the following methods:

  1. Log in to the online account center and select the “Direct Deposit” option
  2. Dial 1-866-387-7363 and select the “Other Services” option
  3. Text “DIRECT” to 22622 (only accessible if you’re enrolled for the Anytime Alerts service)

How Do You Put Money on a NetSpend Prepaid Card With a Credit Card?

You can’t put money on most of the prepaid cards available today with a credit card.

However, there are alternate means of using credit cards for advance checks and ATM withdrawals to load your prepaid card.

You can use a cash advance check to load funds onto your prepaid card account. To do this, you need to sign the check-in cardholder’s name and cash it in a check-cashing center or a check-in retail store. However, there are high-interest fees associated with credit card advance checks.

Another option is to withdraw cash from an ATM and then load it to the prepaid card.

Other common methods of adding money to your prepaid card include:

  • Buying reload packs
  • Cash deposits
  • Money transfer
  • Direct deposit


While you can’t load your Netspend card with a credit card, there are other ways through which you can transfer funds to your prepaid card.

From cash deposits to PayPal transfers, loading your Netspend prepaid card is quite easy. Although, it doesn’t come without additional fees.

We hope this article has answered your queries about the different methods for preloading your Netspend prepaid card. Let us know what you like about prepaid card services the best!

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