ACE Elite Visa Prepaid Debit Card review

How much does ACE Elite Visa Prepaid Debit Card cost?

The Ace Elite card costs $9.95 a month, plus you’ll want to watch out for these additional fees:

How do I open a ACE Elite Visa Prepaid Debit Card account?

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.

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.

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 Card against other similar providers to find a card that fits your spending habits.

1 - 3 of 3

Name	Product USFSA-PPC	Fee	ATM withdrawal	Features
Wisely by ADP		$0 per month	$0	Up to 2 days early direct deposit Cash back rewards No minimum balance fee or spending fees Automatic transfer to savings envelope	Go to siteMore Info Compare	loading Fetching your data...
PayPal Prepaid Mastercard®		$4.95 per month	$2.50	Faster access to deposits PayPal Prepaid mobile app Open a savings account PayPal Payback Rewards	Go to siteMore Info Compare	loading Fetching your data...
Netspend® Visa® Prepaid Card		$9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)	$2	Get paid faster Easy loading Control your finances Card customizations Mobile app Savings account	Go to siteMore Info Compare	loading Fetching your data...

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Ace Elite funding options

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

• How do I withdraw cash from my Ace Elite Card?

  You can withdraw cash in one of three ways:

  1. At an Ace location for up to $300 per day
  2. At a grocery or convenience store when making a PIN transaction for up to $5,000 per day
  3. At an ATM for up to $325 per withdraw and $940 per day

• Can I add a secondary cardholder?

  Yes. You can add a secondary cardholder, but it costs $3.95 for the additional card. The secondary cardholder also has no access to a virtual account and can’t send funds to another cardholder or card account.

• What's a virtual account?

  A virtual account is an account number that you can use online or over the phone that isn’t your actual card number. It comes with its own three-digit security code and expiration date, and you can have up to six at once.

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