Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Load A Netspend Card with A Credit Card?

Unfortunately, you cannot load your Netspend card directly with a credit card.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

Directly loading a Netspend card with a credit card is not an option, as the service prohibits funding via cash advances.

More:

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

Should You Load A Netspend Card With A Credit Card?

Let's examine the key benefits and costs of this funding method.

Benefits

  • Immediate access to funds: Loading with a credit card is often instant, which is useful for urgent expenses.
  • Potential for rewards: You may earn credit card rewards like points or cashback on the transaction, if it is processed as a purchase.
  • Convenience: You can add money to your card from anywhere without needing to handle physical cash.

Costs

  • Cash advance fees: Your credit card issuer will likely classify the transaction as a cash advance, incurring a fee.
  • Higher interest rates: Cash advances typically come with a higher APR than purchases, and interest starts accruing immediately.
  • No grace period: Unlike purchases, cash advances do not have an interest-free grace period.
An icon of a lightbulb
Kudos Tip
More:

How to Load A Netspend Card With A Credit Card

Loading your Netspend card with a credit card can be a convenient way to manage funds. This guide outlines the general process, helping you navigate the steps for a smooth transaction.

  1. Verify Loading Options: Before proceeding, check Netspend's current terms and conditions or contact their customer service. Policies can change, and it's crucial to confirm if direct credit card loads are permitted and what fees may apply.

  2. Consider Intermediary Services: If direct loading isn't an option, you might use a third-party digital wallet. You could potentially add funds to the service with your credit card and then transfer them to your Netspend account.

  3. Select the Right Credit Card: Be aware that this transaction may be treated as a cash advance, often incurring high fees and interest. To find a card with favorable terms, you can use an explore cards tool to compare your options.

  4. Initiate the Transaction: Log in to the chosen platform, navigate to the "Add Money" or "Transfer Funds" section, and follow the prompts to enter your credit card information and the desired amount.

  5. Review and Confirm: Carefully review all transaction details, paying close attention to any potential fees displayed on the confirmation screen. Once you are certain everything is correct, confirm the transfer.

More:

Impact On Your Credit Score

While loading a Netspend card with a credit card won't directly appear on your credit report, the transaction can indirectly influence your score. Here are a few key considerations to keep in mind.

  • Credit Utilization Ratio: Using your credit card increases its balance, which can raise your credit utilization ratio. A higher ratio can negatively impact your credit score, as it suggests greater financial risk.
  • Cash Advance Treatment: Your card issuer may treat this transaction as a cash advance, which comes with steep fees and a high APR. Interest often starts accruing immediately, making this an expensive way to add funds.
  • Increased Debt: If you carry the balance, the amount you loaded will accrue interest, adding to your overall debt. This can strain your budget and make it harder to manage your financial obligations.

Alternative Ways To Load A Netspend Card

Direct Deposit

One of the most straightforward methods for funding your card is through direct deposit. You can arrange for your employer to send your paycheck directly to your Netspend account. This service also extends to government benefits and tax refunds. Setting this up typically involves providing your Netspend account and routing numbers to the paying entity. This option often ensures your funds are available promptly without any additional fees, making it a convenient and cost-effective choice for regular income.

Cash Reload Locations

If you handle cash frequently, you can add funds at thousands of Netspend Reload Network locations nationwide. These include major retailers, grocery stores, and check-cashing services. To complete a transaction, you simply present your card and the cash you wish to add to the cashier. The funds are usually loaded to your account within minutes. It's wise to inquire about any potential service fees, as these can vary by location.

Choose the Right Card to Load A Netspend Card

Before you can load your Netspend card, you need a funding source that works for you. Finding the right credit card—whether you prioritize cash back, travel rewards, or low interest—is crucial for maximizing your benefits. The Kudos Explore Tool can help you find your credit card match from a database of nearly 3,000 options. By taking a personalized quiz, you can compare cards side-by-side and see which one best fits your spending habits and financial goals.

If you want to get the most from your credit cards, Kudos is the premier free shopping extension for your online sprees. We're also giving you $20 back after your first qualifying purchase—simply sign-up for free with code 'GET20' and complete a transaction at a Boost merchant.

Frequently Asked Questions

What are the fees for loading a Netspend card?

Fees can vary depending on the reload method and location, so always confirm the cost before completing a transaction.

Are there limits on how much I can load?

Yes, Netspend imposes daily and monthly limits on the amount you can add, which differ by the reload method.

How quickly will the funds be available?

Funds are typically available on your card within minutes, though processing times can vary slightly by reload service provider.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Load A Netspend Card with A Credit Card?

Unfortunately, you cannot load your Netspend card directly with a credit card.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

Directly loading a Netspend card with a credit card is not an option, as the service prohibits funding via cash advances.

More:

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

Should You Load A Netspend Card With A Credit Card?

Let's examine the key benefits and costs of this funding method.

Benefits

  • Immediate access to funds: Loading with a credit card is often instant, which is useful for urgent expenses.
  • Potential for rewards: You may earn credit card rewards like points or cashback on the transaction, if it is processed as a purchase.
  • Convenience: You can add money to your card from anywhere without needing to handle physical cash.

Costs

  • Cash advance fees: Your credit card issuer will likely classify the transaction as a cash advance, incurring a fee.
  • Higher interest rates: Cash advances typically come with a higher APR than purchases, and interest starts accruing immediately.
  • No grace period: Unlike purchases, cash advances do not have an interest-free grace period.
An icon of a lightbulb
Kudos Tip
More:

How to Load A Netspend Card With A Credit Card

Loading your Netspend card with a credit card can be a convenient way to manage funds. This guide outlines the general process, helping you navigate the steps for a smooth transaction.

  1. Verify Loading Options: Before proceeding, check Netspend's current terms and conditions or contact their customer service. Policies can change, and it's crucial to confirm if direct credit card loads are permitted and what fees may apply.

  2. Consider Intermediary Services: If direct loading isn't an option, you might use a third-party digital wallet. You could potentially add funds to the service with your credit card and then transfer them to your Netspend account.

  3. Select the Right Credit Card: Be aware that this transaction may be treated as a cash advance, often incurring high fees and interest. To find a card with favorable terms, you can use an explore cards tool to compare your options.

  4. Initiate the Transaction: Log in to the chosen platform, navigate to the "Add Money" or "Transfer Funds" section, and follow the prompts to enter your credit card information and the desired amount.

  5. Review and Confirm: Carefully review all transaction details, paying close attention to any potential fees displayed on the confirmation screen. Once you are certain everything is correct, confirm the transfer.

More:

Impact On Your Credit Score

While loading a Netspend card with a credit card won't directly appear on your credit report, the transaction can indirectly influence your score. Here are a few key considerations to keep in mind.

  • Credit Utilization Ratio: Using your credit card increases its balance, which can raise your credit utilization ratio. A higher ratio can negatively impact your credit score, as it suggests greater financial risk.
  • Cash Advance Treatment: Your card issuer may treat this transaction as a cash advance, which comes with steep fees and a high APR. Interest often starts accruing immediately, making this an expensive way to add funds.
  • Increased Debt: If you carry the balance, the amount you loaded will accrue interest, adding to your overall debt. This can strain your budget and make it harder to manage your financial obligations.

Alternative Ways To Load A Netspend Card

Direct Deposit

One of the most straightforward methods for funding your card is through direct deposit. You can arrange for your employer to send your paycheck directly to your Netspend account. This service also extends to government benefits and tax refunds. Setting this up typically involves providing your Netspend account and routing numbers to the paying entity. This option often ensures your funds are available promptly without any additional fees, making it a convenient and cost-effective choice for regular income.

Cash Reload Locations

If you handle cash frequently, you can add funds at thousands of Netspend Reload Network locations nationwide. These include major retailers, grocery stores, and check-cashing services. To complete a transaction, you simply present your card and the cash you wish to add to the cashier. The funds are usually loaded to your account within minutes. It's wise to inquire about any potential service fees, as these can vary by location.

Choose the Right Card to Load A Netspend Card

Before you can load your Netspend card, you need a funding source that works for you. Finding the right credit card—whether you prioritize cash back, travel rewards, or low interest—is crucial for maximizing your benefits. The Kudos Explore Tool can help you find your credit card match from a database of nearly 3,000 options. By taking a personalized quiz, you can compare cards side-by-side and see which one best fits your spending habits and financial goals.

If you want to get the most from your credit cards, Kudos is the premier free shopping extension for your online sprees. We're also giving you $20 back after your first qualifying purchase—simply sign-up for free with code 'GET20' and complete a transaction at a Boost merchant.

Frequently Asked Questions

What are the fees for loading a Netspend card?

Fees can vary depending on the reload method and location, so always confirm the cost before completing a transaction.

Are there limits on how much I can load?

Yes, Netspend imposes daily and monthly limits on the amount you can add, which differ by the reload method.

How quickly will the funds be available?

Funds are typically available on your card within minutes, though processing times can vary slightly by reload service provider.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Load A Netspend Card with A Credit Card?

Unfortunately, you cannot load your Netspend card directly with a credit card.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

Directly loading a Netspend card with a credit card is not an option, as the service prohibits funding via cash advances.

More:

Should You Load A Netspend Card With A Credit Card?

Let's examine the key benefits and costs of this funding method.

Benefits

  • Immediate access to funds: Loading with a credit card is often instant, which is useful for urgent expenses.
  • Potential for rewards: You may earn credit card rewards like points or cashback on the transaction, if it is processed as a purchase.
  • Convenience: You can add money to your card from anywhere without needing to handle physical cash.

Costs

  • Cash advance fees: Your credit card issuer will likely classify the transaction as a cash advance, incurring a fee.
  • Higher interest rates: Cash advances typically come with a higher APR than purchases, and interest starts accruing immediately.
  • No grace period: Unlike purchases, cash advances do not have an interest-free grace period.
An icon of a lightbulb
Kudos Tip
More:

How to Load A Netspend Card With A Credit Card

Loading your Netspend card with a credit card can be a convenient way to manage funds. This guide outlines the general process, helping you navigate the steps for a smooth transaction.

  1. Verify Loading Options: Before proceeding, check Netspend's current terms and conditions or contact their customer service. Policies can change, and it's crucial to confirm if direct credit card loads are permitted and what fees may apply.

  2. Consider Intermediary Services: If direct loading isn't an option, you might use a third-party digital wallet. You could potentially add funds to the service with your credit card and then transfer them to your Netspend account.

  3. Select the Right Credit Card: Be aware that this transaction may be treated as a cash advance, often incurring high fees and interest. To find a card with favorable terms, you can use an explore cards tool to compare your options.

  4. Initiate the Transaction: Log in to the chosen platform, navigate to the "Add Money" or "Transfer Funds" section, and follow the prompts to enter your credit card information and the desired amount.

  5. Review and Confirm: Carefully review all transaction details, paying close attention to any potential fees displayed on the confirmation screen. Once you are certain everything is correct, confirm the transfer.

More:

Impact On Your Credit Score

While loading a Netspend card with a credit card won't directly appear on your credit report, the transaction can indirectly influence your score. Here are a few key considerations to keep in mind.

  • Credit Utilization Ratio: Using your credit card increases its balance, which can raise your credit utilization ratio. A higher ratio can negatively impact your credit score, as it suggests greater financial risk.
  • Cash Advance Treatment: Your card issuer may treat this transaction as a cash advance, which comes with steep fees and a high APR. Interest often starts accruing immediately, making this an expensive way to add funds.
  • Increased Debt: If you carry the balance, the amount you loaded will accrue interest, adding to your overall debt. This can strain your budget and make it harder to manage your financial obligations.

Alternative Ways To Load A Netspend Card

Direct Deposit

One of the most straightforward methods for funding your card is through direct deposit. You can arrange for your employer to send your paycheck directly to your Netspend account. This service also extends to government benefits and tax refunds. Setting this up typically involves providing your Netspend account and routing numbers to the paying entity. This option often ensures your funds are available promptly without any additional fees, making it a convenient and cost-effective choice for regular income.

Cash Reload Locations

If you handle cash frequently, you can add funds at thousands of Netspend Reload Network locations nationwide. These include major retailers, grocery stores, and check-cashing services. To complete a transaction, you simply present your card and the cash you wish to add to the cashier. The funds are usually loaded to your account within minutes. It's wise to inquire about any potential service fees, as these can vary by location.

Choose the Right Card to Load A Netspend Card

Before you can load your Netspend card, you need a funding source that works for you. Finding the right credit card—whether you prioritize cash back, travel rewards, or low interest—is crucial for maximizing your benefits. The Kudos Explore Tool can help you find your credit card match from a database of nearly 3,000 options. By taking a personalized quiz, you can compare cards side-by-side and see which one best fits your spending habits and financial goals.

If you want to get the most from your credit cards, Kudos is the premier free shopping extension for your online sprees. We're also giving you $20 back after your first qualifying purchase—simply sign-up for free with code 'GET20' and complete a transaction at a Boost merchant.

Frequently Asked Questions

What are the fees for loading a Netspend card?

Fees can vary depending on the reload method and location, so always confirm the cost before completing a transaction.

Are there limits on how much I can load?

Yes, Netspend imposes daily and monthly limits on the amount you can add, which differ by the reload method.

How quickly will the funds be available?

Funds are typically available on your card within minutes, though processing times can vary slightly by reload service provider.

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

Can You Load A Netspend Card with A Credit Card?

Unfortunately, you cannot load your Netspend card directly with a credit card.

July 1, 2025

Small Kudos square logoAn upside down carrot icon

Quick Answer

Directly loading a Netspend card with a credit card is not an option, as the service prohibits funding via cash advances.

More:

Should You Load A Netspend Card With A Credit Card?

Let's examine the key benefits and costs of this funding method.

Benefits

  • Immediate access to funds: Loading with a credit card is often instant, which is useful for urgent expenses.
  • Potential for rewards: You may earn credit card rewards like points or cashback on the transaction, if it is processed as a purchase.
  • Convenience: You can add money to your card from anywhere without needing to handle physical cash.

Costs

  • Cash advance fees: Your credit card issuer will likely classify the transaction as a cash advance, incurring a fee.
  • Higher interest rates: Cash advances typically come with a higher APR than purchases, and interest starts accruing immediately.
  • No grace period: Unlike purchases, cash advances do not have an interest-free grace period.
An icon of a lightbulb
Kudos Tip
More:

Put your cards to work.

Kudos is your ultimate financial companion, helping you effortlessly manage multiple credit cards, monitor your credit score, and maximize your rewards—all in one convenient platform.
Add to Chrome – It’s Free

How to Load A Netspend Card With A Credit Card

Loading your Netspend card with a credit card can be a convenient way to manage funds. This guide outlines the general process, helping you navigate the steps for a smooth transaction.

  1. Verify Loading Options: Before proceeding, check Netspend's current terms and conditions or contact their customer service. Policies can change, and it's crucial to confirm if direct credit card loads are permitted and what fees may apply.

  2. Consider Intermediary Services: If direct loading isn't an option, you might use a third-party digital wallet. You could potentially add funds to the service with your credit card and then transfer them to your Netspend account.

  3. Select the Right Credit Card: Be aware that this transaction may be treated as a cash advance, often incurring high fees and interest. To find a card with favorable terms, you can use an explore cards tool to compare your options.

  4. Initiate the Transaction: Log in to the chosen platform, navigate to the "Add Money" or "Transfer Funds" section, and follow the prompts to enter your credit card information and the desired amount.

  5. Review and Confirm: Carefully review all transaction details, paying close attention to any potential fees displayed on the confirmation screen. Once you are certain everything is correct, confirm the transfer.

More:

Impact On Your Credit Score

While loading a Netspend card with a credit card won't directly appear on your credit report, the transaction can indirectly influence your score. Here are a few key considerations to keep in mind.

  • Credit Utilization Ratio: Using your credit card increases its balance, which can raise your credit utilization ratio. A higher ratio can negatively impact your credit score, as it suggests greater financial risk.
  • Cash Advance Treatment: Your card issuer may treat this transaction as a cash advance, which comes with steep fees and a high APR. Interest often starts accruing immediately, making this an expensive way to add funds.
  • Increased Debt: If you carry the balance, the amount you loaded will accrue interest, adding to your overall debt. This can strain your budget and make it harder to manage your financial obligations.

Alternative Ways To Load A Netspend Card

Direct Deposit

One of the most straightforward methods for funding your card is through direct deposit. You can arrange for your employer to send your paycheck directly to your Netspend account. This service also extends to government benefits and tax refunds. Setting this up typically involves providing your Netspend account and routing numbers to the paying entity. This option often ensures your funds are available promptly without any additional fees, making it a convenient and cost-effective choice for regular income.

Cash Reload Locations

If you handle cash frequently, you can add funds at thousands of Netspend Reload Network locations nationwide. These include major retailers, grocery stores, and check-cashing services. To complete a transaction, you simply present your card and the cash you wish to add to the cashier. The funds are usually loaded to your account within minutes. It's wise to inquire about any potential service fees, as these can vary by location.

Choose the Right Card to Load A Netspend Card

Before you can load your Netspend card, you need a funding source that works for you. Finding the right credit card—whether you prioritize cash back, travel rewards, or low interest—is crucial for maximizing your benefits. The Kudos Explore Tool can help you find your credit card match from a database of nearly 3,000 options. By taking a personalized quiz, you can compare cards side-by-side and see which one best fits your spending habits and financial goals.

If you want to get the most from your credit cards, Kudos is the premier free shopping extension for your online sprees. We're also giving you $20 back after your first qualifying purchase—simply sign-up for free with code 'GET20' and complete a transaction at a Boost merchant.

Frequently Asked Questions

What are the fees for loading a Netspend card?

Fees can vary depending on the reload method and location, so always confirm the cost before completing a transaction.

Are there limits on how much I can load?

Yes, Netspend imposes daily and monthly limits on the amount you can add, which differ by the reload method.

How quickly will the funds be available?

Funds are typically available on your card within minutes, though processing times can vary slightly by reload service provider.

Our favorite card right now

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

No items found.
No items found.