You should receive your refund by either method at the same time. Direct Deposit requires you only to input your account information. A NetSpend Premier® Visa® Prepaid Card will be received 7-10 business days after you ordered the card (Saturdays and Sundays don't count as business days).
Once you have it in hand, remember to activate the card so you can start using it. Instructions will be included with your card.
If your card seems unusually delayed, please call the toll-free NetSpend Customer Service Line 1-855-646-8848.