If you would like the convenience of carrying a credit card but your low credit score is preventing you from being approved for one, then your next best option may be a prepaid card. NetSpend is America's most trusted provider of prepaid debit accounts, enabling people with a less-than-stellar credit history to use a card instead of cash.

Everyone is approved for the NetSpend Prepaid Debit Card, regardless of credit history. In fact, there are no credit checks, no overdraft fees, no interest charges, and no surprises with this card.

And, with the NetSpend Savings Plan, you'll earn 5% APY interest on your money! Loading your card is easy: simply direct deposit for free into your NetSpend account, or add cash at your nearest NetSpend Reload Center. You can also use PayPal or your local bank as a way to transfer funds onto your card. The NetSpend Prepaid Debit Card also helps you to track your finances by offering online access to your account and online bill pay.

With the NetSpend Prepaid Debit Card, you can make purchases everywhere Visa® and MasterCard® cards are accepted. You can even get cash using an ATM no matter where you are in the world. Carrying a NetSpend Prepaid Debit Card is safer than carrying cash. If your card is stolen and used without your permission, you're not liable for any of the charges.

Since this is a prepaid card, this card is powered entirely by your own funds. That means no credit card bills to pay, no late fees, no interest fees, and no risk of going into debt!

Fees are relatively low and straight forward. If you choose to be a Pay-As-You-Go Customer, you'll pay $1 per transaction and no monthly fee. Fee Advantage Customers pay a monthly fee of only $9.95 and pay no fee for transactions and ATM activity. For all customers, the $5.95 per month account maintenance fee is waived as long as you have at least one credit, debit, or balance inquiry transaction within a 90-day period. For a full schedule of fees, please read the Terms and Conditions of this card.

Open an account today and start enjoying the convenience and security of the NetSpend Prepaid Debit Card.