Get Upgraded at NO COST to NetSpend Premier®

Our best level of exclusive features
NetSpend Premier Prepaid Debit Card
Black NetSpend Premier Card

How Do I Qualify For An Upgrade To NetSpend Premier®

Qualifying is easy. When you receive your card, just set up direct deposit at no cost and make a total of $500 in payroll or government benefits Direct Deposits during one calendar month. Then, we'll automatically upgrade you to a NetSpend Premier Card.1

Already have a NetSpend card? Log in to check your Card Account's Premier eligibility requirements.

Learn how to sign up for Direct Deposit.

The NetSpend Premier Prepaid Card offers our best level of services to our cardholders.

Pay Lower Fees with NetSpend Premier

Nearly 50% off our Monthly FeeAdvantage Plan

With an upgrade to NetSpend Premier®, you can make unlimited purchase transactions, all for one low monthly fee of just $5.1

That's nearly a 50% savings over our basic Fee AdvantageTM plan!

Get a Purchase Cushion with NetSpend Premier

A Purchase Cushion

With a NetSpend Premier® Prepaid Card account, you may get up to a $10 purchase cushion in case you're ever caught short.2
Get a NetSpend Savings Account

No Cost3 Personalized Card4

Customize your NetSpend Premier® Prepaid Debit Card by adding a picture of a special event or memory, or add your own photo for an additional layer of security. As a Premier cardholder, your first card is free. There is a Custom Card Fee of up to $4.95 for each additional custom card you create.
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1 The Monthly FeeAdvantageTM Plan ("FAP") is optional and covers only purchase transaction fees. The FAP does not include ATM fees or any other fees associated with the use and reloading of the Card Account, as described in the Cardholder Agreement ("Agreement"). Upon qualifying for the Premier FeeAdvantage Plan, an eligible Cardholder on the Pay-As-You-GoTM fee plan must call 1-86-NETSPEND or visit to change to the discounted FeeAdvantage Plan. A Cardholder already enrolled in the FAP will be charged to the discounted rate on the next plan fee assessment date after qualifying. See Cardholder Agreement for details.

2 The $10 Purchase Cushion is not an extension of credit; it is a courtesy exercised at our discretion. Approved purchase transactions may create up to a $10.00 negative balance on your Card Account. Cardholder is responsible for repayment of any negative balance. See the Cardholder Agreement for details.

3 While this feature is available for free, certain other transaction fees and costs, terms and conditions are associated with the use of this Card. See the Cardholder Agreement.

4 Custom Card Fee of $4.95 is waived. Limit of one (1) no cost custom card per Card Account. Picture must meet Image Guidelines. If custom card is lost, stolen or damaged, any request for (a) a replacement custom card requires resubmission of image and payment of custom card replacement fee, or (b) a replacement standard card requires payment of standard card replacement fee. See online custom card FAQs and the Fee Schedule in the Cardholder Agreement.

5 NetSpend does not charge for this service, but your wireless carrier may charge for messages or data.

The NetSpend Visa Prepaid Card is issued by The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company pursuant to a license from Visa U.S.A. Inc. The NetSpend Prepaid MasterCard is issued by The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company pursuant to license by MasterCard International Incorporated. The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company; Members FDIC. Please see back of your Card for its issuing bank. NetSpend, a TSYS® Company, is a registered agent of The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company. The NetSpend Visa Prepaid Card may be used everywhere Visa debit cards are accepted. The NetSpend Prepaid MasterCard may be used everywhere Debit MasterCard is accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to funds availability and ID verification. Transaction fees, terms and conditions apply to the use and reloading of the Card Account. See Cardholder Agreement for details.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program. All rights reserved.

© 2015 Total System Services, Inc.®. All rights reserved worldwide. TSYS® and NetSpend are federally registered U.S. service marks of Total System Services, Inc.