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How to Compare NetSpend Next to Other Prepaid Debit Cards By Jenny Dee, eHow Contributor

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If you have bad or no credit, a prepaid debit card such as NetSpend allows you to preload your own money onto the card to use for purchases. Not all prepaid debit cards offer the same terms, however, so consumers should research before signing up.

  1. Fee Plan

    • Potential cardholders should request the fee plan first. As of January 2011, activation and monthly fees for the NetSpend prepaid debit card total $9.95, with ATM withdrawals costing $2.50 per transaction. Other fees to compare include direct deposit, debit purchases, balance inquiries, inactivity, calling customer service and reload fees.

    Purchase and Reload Convenience

    • The prepaid debit card's website should list locations where you can purchase or reload your card. NetSpend has more than 30, 000 reloading locations. Some card companies allow users to put money on their card through PayPal or a bank transfer, online, at retail stores or by calling a customer service representative.

    Savings Interest

    • Before putting your own money onto a prepaid debit card, ask if the card will pay you interest. NetSpend has a saving program that offers a 5 percent annual percentage yield, or APY, interest rate, as of January 2011.

    Jenny Dee

    Based in St. Louis, Missouri, Jenny Dee has been a writer for over 15 years. She has experience in home renovation, painting and small electrical work. Dee holds a bachelor's degree in mass communication from Southeast Missouri State University.

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    Original article published on eHow.com

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