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ACE Elite Visa Prepaid Debit Card review

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Earn rewards on purchases, but be careful of fees that can eat into your cash back.

Ace Elite Visa Prepaid Debit Card packs a punch with unique features such as early direct deposits and cashback rewards. But as with most prepaid cards, there’s a long list of fees to watch out for.

  • Get this card if you want to earn rewards on everyday purchases.
  • Get another card if you don’t want to pay a monthly or per-transaction fee.

Up to $9.95

Monthly maintenance fee

From $0

Signature transaction fee

From $0

PIN transaction fee

Details

Card typeDebit
Card networkVisa
Monthly fee$9.95
Monthly fee (pay-as-you-go plan)$0
Monthly fee with a direct deposit$5
Signature transaction fee$0
Signature transaction fee (pay-as-you-go plan)$1
PIN transaction fee$0
PIN transaction fee (pay-as-you-go plan)$2
Additional Cardholder Fee$3.95

Expert review

Rhys Subitch

Review by


Rhys Subitch is a writer and editor at Finder who tackles topics across the site. With half a decade of experience researching, editing and writing for a Fortune 500 company, university and several independent publications, Rhys brings readers the most up-to-date and curated info on all things finance.

Expert review

The Ace Elite Visa Prepaid Debit Card is best for those looking to earn rewards on everyday spending. As a cardholder, you’ll earn cash back on select purchases that can be credited back to your account. Plus, you’ll earn up to 5% APY on funds kept in the optional savings account.

But its enticing rewards offers are tampered by its fees. You’ll pay up to $9.95 a month to keep the account and you’ll see other fees if you’re not careful.

How do I get the ACE Elite Visa Prepaid Debit Card?

Apply online or at an Ace location. To request your card online, follow these steps:

  1. Go to the provider’s site and follow the steps to apply.
  2. From the Ace Cash Express website, select Prepaid cards.
  3. Click Get started.
  4. Enter the requested information.
  5. Choose your card design.
  6. Click Get a card.
  7. Select a username, password and security question.
  8. Click Create a profile.

Eligibility

To sign up for the Ace Elite Visa Prepaid Card, you must:

  • Be at least 18 years old
  • Have a verifiable address

Required information

Upon signing up, you’ll be required to provide your:

  • Full name
  • Residential address
  • Date of birth
  • Social Security number
  • State or federal ID, such as a driver’s license or passport

What you’ll like about the Ace Elite prepaid card

If you’re looking for a prepaid card that receives direct deposits and has a convenient mobile app that lets you manage your account on the go, you may find these other Ace Elite Visa Prepaid Card features enticing.

  • Cash rewards. Ace Elite has special offers available that let you earn cash back on store and restaurant purchases.
  • Direct deposit. Your paycheck or government benefits are likely eligible for direct deposit, and can potentially be accessed up to two days early.
  • No-fee withdrawal options. You’re eligible for up to $100 per day in fee-free withdrawals when made at Ace locations.
  • Savings account. You can take advantage of an optional savings account with a 5% APY on the first $1,000 of your balance and a 0.50% APY on anything more.
  • Card customizations. Personalize your card with a premium skin for a one-time fee of $3.99.

What to watch out for

While the Ace Elite Visa Prepaid Debit Card has some stellar features, it has its potential drawbacks:

  • Unavoidable monthly fees. This card has a per-transaction fee of $1 or a flat fee of $9.95 per month that can be reduced to $5 each month you direct deposit at least $500.
  • Direct deposit required for fee-free withdrawals. Though there isn’t a minimum amount, you must have direct deposit to take advantage of the free withdrawals at Ace locations.
  • Fees can add up. A host of fees on everyday transactions may eat into your cash if you’re not careful. See the table below for details.

Ace Elite Visa Prepaid Debit Card fees

Monthly plan$9.95
Reduced monthly plan$5
Pay-As-You-Go plan$1 per transaction
Cash reload$3.95
ATM balance inquiry$0.50
Over-the-counter (OTC) withdrawal at a financial institution$2.50
OTC withdrawal at a Netspend reload locationUp to 2.75% of the withdrawal amount or $4, whichever is greater
ATM withdrawal fee, domestic$2.50
Mobile check load fee (expedited)2% of the check amount or $5, whichever is greater
Account-to-account transfer via customer service$4.95
Foreign transaction3.5% of the amount
Foreign ATM withdrawal$4.95, plus the foreign transaction fee
ATM transaction decline$1
Preauthorized payment decline$1
Additional card$3.95
Replacement card$3.95
Custom card$4.95
Card delivery (3-day expedited)$20
Card delivery (1–2-day expedited)$25
More than one written transaction history per month$5.95
Inactivity$5.95

If you prefer a rewards card with little to no fees, you’ll want to keep looking. As always, compare your options when looking for a prepaid card.

Compare with other prepaid cards

Compare the Ace Elite Visa Prepaid Debit Cards against other similar providers to find a card that fits your spending habits.

Name Product Annual or monthly fee ATM withdrawal Features
ACE Flare Account
$9.95 per month (or $5 with a $500+ direct deposit)
$2.50
  • Earn interest on your Flare Account
  • Optional Debit Card Overdraft Service
  • Get paid up to 2 days faster with Direct Deposit
Withdraw up to $400 in cash per day without a fee at participating ACE locations when you have qualifying Direct Deposit activity.
Brinks Prepaid Mastercard
$9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
$2.50
  • Mobile app
  • Direct deposit
  • Payback rewards
No credit check. No minimum balance. No late fees because this is not a credit card.
PayPal Prepaid Mastercard
$4.95 per month
$1.95
  • Manage money on the fly
  • Receive special offers and cash back rewards
  • Get your state and federal tax refund faster than a paper check
Use the no-cost direct deposit service and have access your funds up to two days faster than what traditional banks offer.
NetSpend® Visa® Prepaid Card
$9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
$2.50
  • No transaction fees
  • $5 per month with a $500+ direct deposit
  • Trusted by more than 7 million people
With Netspend, you get a convenient way to manage your money on a prepaid card that is packed with features.
Netspend Prepaid Mastercard, WWE partner
$9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
$2.50
  • No activation fee
  • Payback rewards
  • No minimum balance required
No credit check, mobile check load, and now a WWE partner
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Compare up to 4 providers

Ace Elite funding options

There are a few ways to add or reload money onto your Ace Elite prepaid card:

  • Reload at a Netspend location
  • Direct deposit
  • Money transfer from a bank, another cardholder or another card account
  • Mobile check deposit

I got my Ace Elite card. Now what?

To make the most of your card:

  • Figure out the best plan. If you’re planning on using your card for direct deposits of $500 or more and spending from it regularly, you may want to choose the flat-rate $5 per month plan. Without meeting the direct deposit minimum, it’ll run you $9.95 per month or up to $2 per transaction.
  • Sign up for direct deposit. Get your card information and sign up to receive your paycheck or government benefits.
  • Check your special offers. Each month, you’ll receive cashback offers that are based on how you normally spend. The cash back is then credited to your account.
  • Get in touch with customer service. Direct any account-specific questions to the customer service team by calling 866-387-7363.

Frequently asked questions

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