Prepaid Debit Card Reviews, Complaints, Etc

Tag: NetSpend

  • Netspend Prepaid MasterCard Review (support your fav MLB team)

    The Netspend Prepaid MasterCard Debit Card is a highly functional debit card, which makes financial errands easy and fun filled tasks – well almost. You can also support your favorite Major League baseball team by having their logo put on your card. It is issued by Netspend, one of America’s largest prepaid debit card processors. Read the full Netspend Card Rating here.

    When it comes to cash safety, this is one of the safer cards to settle for. The bank processes the card in a highly secretive way, to ensure that all transactions are carried out by genuine card holders (most prepaid card offer similar security benefits). This is effective because the bank has detailed security information pertaining to all card holders. In case a card is lost or stolen, the bank protects your account against all unauthorized transactions. What’s more, it will issue a new card on the spot to avoid any inconvenience. This is one of the better prepaid debit cards, but be sure to comparison shop on our site as their are cheaper options (be sure that is safer than cash and cheaper to than using check cashing places).

    The Netspend Prepaid MasterCard Debit Card is a card that can be used anywhere across the globe where MasterCard is accpeted. It is Better Business Bureau accredited with a BBB rating of A+ (though there are negative reviews on our site). In addition, Netspend is issued by Metabank that is a member of the FDIC, every transaction under the card is genuine due to highly encrypted information which protects the password, and other security card details. With the card, one can manage his or her finances at the comfort of his or her home. For regular travelers, the card is efficient and you do not have to walk around with huge amounts of cash.

    The Netspend.com Prepaid MasterCard Debit Card allows you to shop online too, and you can do faster transactions than carrying cash. With availability and easy accessibility of internet services across the globe, you can do your shopping online with the card as well as retail stores. It spares shoppers daily, weekly or monthly shopping hassles especially during peaks seasons such as Easter or Christmas Eve.

    Like other prepaid MasterCards, the card has a 100% guaranteed approval and there is no need for a credit check. You can get this prepaid debit card regardless if you have bad or no credit. The other feature with this card is that there are no minimum balances or overdraft fees (another benefit of most prepaid cards). There is also exclusive a savings account program you can enroll in.

    For those who love to transfer funds from one account to the other without leaving their homes, this card is offers related options. Online transactions and transfers are just a click away. Card holders can also pay their creditors online, pay bills online to avoid embarrassing moments where creditors come knocking at your door. Like other prepaid MasterCards, card holders also benefit from direct deposits from their paycheck or government paychecks.

    The Netspend Prepaid MasterCard Debit Card is also beneficial because it allows card holders to control their spending more efficiently. This can be done by tracking all transactions with online budgeting tools. Card holders also get alerts on their mobile phones on a 24 hour basis. All funds that are transacted with the cards are FDIC Insured up to the current coverage limit. Lastly, you can get rewarded with lots of Netspend card benefits. Intro APR, into APR period, Regular APR and balance transfers are not applicable as this is not a credit card.

    For more from this author visit:  Tameka Riley’s Author Page

  • Netspend Prepaid Visa Rating (Up to $5000 Sweepstakes Offer)

    The Netspend Prepaid Visa Debit Card (read full  Netspend Card Rating here) is one of the most popular prepaid Visa debit cards on the market. The card is FDIC insured. This is one of the better prepaid debit cards because it comes with excellent features which can be hardly accessed in other prepaid Visa cards.

    Account holders can run their financial errands with the card with no interest or late fees which make the card more convenient. With the card, there are no surprises as well as no credit checks. What’s more, card holders can easily have their paycheck deposited to their accounts directly with direct deposit.

    With the Netspend Prepaid Visa Debit Card, shopping is just a click away and has enabled many to enjoy an incredible shopping experience. It is widely accepted in a number of stores, supermarkets and many other shopping places. Card holders can comfortably purchase groceries, pay bills; make online purchases which save a great deal of time and buy gas among other products.

    One does not have to carry huge amounts of cash to shop anymore. It is also convenient for shopping in the sense that if you run out of cash, the card serves it purpose best since it’s widely accepted in supermarkets. There are many reasons as to why this card is highly efficient and one of the most trusted prepaid debit cards in the industry.

    The Netspend prepaid debit card is issued by highly reputable banking institutions. It is therefore a card that can be used anywhere there its acceptable with confidence. For this reason, it is a smart and excellent way of managing your finances even in the comfort of your home. It doesn’t matter which part of the globe you may be, in order to use a Netspend Prepaid Visa debit card. The card can be used in different ATMs across the globe which provides more convenience to account holders.

    When opening a Netspend account, a person has to provide factual information which will be used for identification and security purposes. This includes the name, ID card number, driving license, date of birth, and address among other vital details. These will be used for security purposes. Card holders are assured of cash safety even in the event of robbery or in case a card is lost. If an incident occurs, it is essential to notify the issuing bank immediately. This way, necessary security measures will be undertaken to secure your funds. The bank will process a new debit card and guard your account against any unauthorized transactions.

    The Netspend prepaid Visa debit card is of high quality and highly valuable. It is designed with the best technologies in order for it to serve its purpose best. Whether it is used on regular basis or not, the card will remain functional for a long time. In addition, a card holder has authority to choose and control the best value pricing plan that suits his or her personal needs more efficiently. The card is free of charge and for more convenience, it is issued online. In this connection, one can order for a Netspend Prepaid Visa Debit Card within 60 seconds.

    For more from this author visit:  Tameka Riley’s Author Page

  • Rewards Season: Prepaid Debit Card Benefits to Look For

    Rewards Season: Prepaid Debit Card Benefits to Look For

    No, it’s not the Oscars and there won’t be any tedious speeches. But prepaid cards do offer ways to get awards

    There’s no official name or diagnosis, but most of us know someone who suffers (or benefits) from a condition perhaps best called frequent flyer-itis. You know the type: they’re the ones whose wanderlust is so overpowering that they pull out their co-branded airline credit card to pay their rent, buy groceries or even take home a six-pack. In a quest to wrack up miles, the card is used for everything.

    Given the popularity of many of these so-called rewards programs in the credit card universe, it should come as no great surprise that the issuers of prepaid debit cards use the same quid pro quo approach as a way to encourage more frequent use of their products. Like their credit card brethren, these rewards can range from cash back to points earned toward purchases. Here’s a look at how a few of the many rewards programs work.


    Free Food

    Not surprisingly, the rewards program associated with the grocery store chain’s Kroger 1-2-3 REWARDS Prepaid Card revolves around food. That is, the enticement to get holders of the card to use it as much as possible is the prospect of earning free gallons of milk and Fuji apples.

    The program is set up in a very familiar way. Every $1 you spend using your rewards card earns you points, which can then be redeemed towards the purchase of groceries. To put it simply, every 1,000 points you earn translates into $5 in groceries. But how quickly someone can reach that 1,000 point milestone depends on where they use their card. If you go to, say, McDonalds or Whole Foods – any store outside the Kroger family – then each dollar spent earns 1 point. So, $500 worth of Big Macs would garner 500 points.

    But if you opt instead to pull out your 1-2-3 REWARDS Prepaid Card to settle up your tab inside one of the Kroger stores that will earn you double the points: so $500 worth of Kroger groceries would yield 1,000 points. And if you go one step further and actually buy Kroger brands when you’re at one of their stores, points accumulate faster. In that case, every $1 spent yields 3 points. So, again, $500 spent with the prepaid card on Kroger brand cereal and coffee filters would earn 1,500 points. All of this is to say that the more loyal you are to Kroger, the quicker you’ll be rewarded – notification of rewards come automatically via email.

    For the moment at least, using the Kroger REWARDS card outside the grocery center can save you a bit when you fill up your car – at a Kroger Family of Stores Fuel Center, naturally. There, using your card to purchase gas saves you $.05 per gallon.


    Just Rewards?

    To be clear, there’s not a lot of reinventing the wheel when it comes to the design of prepaid debit card reward programs. The formula is simple: the more you use your card, the more offers and cash back you’ll receive. In that way, the NetSpend Payback Rewards card is squarely in the mainstream, albeit with a few exceptions. For instance, those who use the card receive offers from merchants, which they can redeem. Additionally, NetSpend offers a referral program. Whenever a family member or friend loads at least $40 onto their new card, you’ll receive a $20 credit.

    The structure of the NetSpend program brings up an issue that is important to consider with all prepaid debit card rewards – that of fees. Or, to be more specific, what is the best card plan to choose if you don’t want fees to eat up all you would earn in rewards? With NetSpend, for instance, choosing the Pay-As-You-Go option, which has no monthly fee, seems unwise if your idea is to make lots of purchases and reap lots of rewards. With that plan, you pay $2 every time you make a PIN purchase and $2.50 for each ATM withdrawal, plus whatever the ATM owner charges.

    NetSpend also offers a FeeAdvantage Plan, where, for $9.95 per month, PIN purchases are free. And if you start depositing $500+ monthly to your account, you qualify for the NetSpend Premier FeeAdvantage Plan, which works the same way as the FeeAdvantage Plan but costs only $5 per month. Whatever you choose, be sure to pay close attention to the fees you have to pay as you work your way towards the rewards. A reward doesn’t look so good when you have to pay big bucks in fees just to get it.

    For more information on NetSpend’s purchase plans, click here.

    For more information on the NetSpend rewards program, click here.


    The Social Network

    Like its competitors, the AchieveCard is set up in a way that you can probably recite in your sleep at this point. Reward points are earned by using the card for purchases. What’s unique, though, is that the bank incorporates social media into its point structure. In other words, you can earn points by going on Facebook and championing the card.

    The following table explains the AchievePoints program; it can also be found here.

     

    How do I get AchievePoints? How many? Tips:
    Make Purchases
    Credit Purchases (Signature) 3 points for every $1 spent To earn the most points, always select CREDIT instead of DEBIT at the register. It’s that easy!
    Debit Purchases (PIN) 1 point for every $1 spent
    Monthly Bonuses *Bonus Points are awarded on the 5th of each month, for the previous month’s activity
    Load at least $1,000 1,000 Bonus Points This is DOUBLED if you load with Direct Deposit.Ex: Direct Deposit $1,000 = 2,000 bonus points!
    Make at least 30 purchases 1,000 Bonus Points The more you buy, the more points you get… Aim to use your card at least once per day!
    Keep your account in good standing Up to 10,000 Bonus Points You pay your monthly maintenance fee, we give you a bonus! 1,000 points your first month, 2,000 points your 2nd month…capped at 10,000 bonus per month after month 10.
    Extras
    Facebook “Like” 5 points for every item you click the “Like” button This is one of the EASIEST ways to earn points! Simply visit the AchieveRewards website, click on an Auction or Sweepstakes Item and Click “Like” or “Share!” You may only like/share each item once, but new items are posted EVERY DAY!
    Facebook “Share” 10 points for every item you “Share” on Facebook

     

    Smarty Pants

    When it comes to the kind of fees that can really eat into your rewards, SmartyPig’s MasterCard Cash Rewards Card has some real advantages. Yes, there is an initial one-time $9.95 charge for the card. But after that, all PIN and POS signature purchase transactions are free. ATM transactions still have fees, but there are no monthly fees AND NO purchase transaction fees.

    You have to opt-in to SmartyPig’s rewards program but once you do you will receive an exclusive, reloadable card and can use it everywhere MasterCard is accepted. The reward: SmartyPig makes it very simple and gives you a flat 1% back on all purchases. You can deposit the cash boost into a SmartyPig goal – which allows you to put away money for a specific goal – or keep it on your card. For more information about the SmartyPig savings program, see the Smarty Pig overview page.

     

     

Prepaid Debit Card Reviews, Complaints, Etc