The Netspend® Better Credit* Visa Card is a card that fits your lifestyle and can help you build your credit. Other secured charge cards lock your 
money into a vault for the term of the account. With the Netspend® Better Credit Visa Card , you can withdraw funds from your Secured Deposit 
Account (minus any outstanding Netspend® Better Credit Visa Card balance and pending transactions) anytime you need it. You can also 
increase your credit limit by transferring funds into your Secured Deposit Account.²

Unlike traditional credit cards, the Netspend® Better Credit Visa Card helps you build credit with no interest. We also don’t check your credit when you apply.¹

The Netspend® Better Credit Visa Card is a secured charge card. The money you move into the Secured Deposit Account² determines the amount you can spend on the Netspend® Better Credit Visa Card. You can also increase your credit limit² by transferring funds from your Deposit Account into your Secured Deposit Account anytime. If you need access to funds in your Secured Deposit Account, you can transfer funds from your Secured Deposit Account (minus any Netspend® Better Credit Visa Card balance or pending transactions) back into your Deposit Account!

You can also use the money in your Secured Account to pay off your monthly balances if you enroll in Safe Mode to avoid missing your payment due date.⁵

No!  We don’t check your credit score when you apply!¹

Yes. We designed the Netspend® Better Credit Visa Card to work with the Netspend Debit Account so that you can move money  into your Secured Account.  You can also move money (less any Netspend® Better Credit Visa Card balance and pending transactions) out of your Secured Deposit Account back to your Deposit Account.

No way!  Netspend does not charge an interest rate on your Netspend® Better Credit Visa Card Account balances.

Not at all! The Netspend® Better Credit Visa Card doesn’t report percent utilization to the major credit bureaus because it has no pre-set credit limit. That means spending up to the amount you added will not show a high-utilization card on your credit history. So rest assured to use Netspend® Better Credit Visa Card for your everyday purchases and let them count towards credit building!

No. You can transfer funds from your Secured Deposit Account back to your spend account, minus any outstanding balance and pending transactions on your Netspend® Better Credit Visa Card.

Your credit limit, the amount you can spend on your Netspend® Better Credit Visa Card, is tied to the amount you transfer into your Secured Account. If you deposit $500, you can spend up to $500. The maximum amount you can deposit, and your maximum Credit Limit is $10,000.