- Get your tax refund faster when you e-file and use direct deposit.
- Enroll in direct deposit today - receive your account number immediately.
- Need your money before payday? Get paid up to 2 days faster with direct deposit.*
- Withdraw up to $300 with no fee daily at ACE Cash Express locations with direct deposit.*
- Mobile account access - available on GooglePlay and Apple App Store.
- Transfer money to another ACE Elite cardholder with no fee.*
- Always know your balance - by mobile app, email, or text message. Standard data rates apply.*
- Earn up to 5% APY while you save in an optional savings account.*
- Earn cash back on your everyday purchases through Payback rewards - get special offers and account credits when you use them.*
4.1 / 5.0 (24 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
Annual Fee:
Card Network:
Card Category:
Consumer (Stored Value)
Card Type:
Card for Bad Credit
Guaranteed Approval
Prepaid Debit Card
Credit Needed:
Bad Credit OK*
Grace Period:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Other Fees

Opening Minimum:
Application Fee:
ATM Fee:
Additional Fees
Account Maintenance (waived if account has debit or credit transaction and/or balance inquiry within 90 days): $5.95 per month

A to A Transfer (Internet) - FREE
A to A Transfer (Toll Free Number) - $4.95
ATM Decline Fee (per declined) - $1.00
Add or withdraw funds locally - varies
Additional Statement Mailing Fee - $5.95
Card Fulfillment (Shipping/Handling) - $9.95
Cash Withdrawal at Distributor - $2.50
Check Mailing Fee - $5.95
Domestic ATM Cash Withdrawal - $2.50
Int'l ATM Cash Withdrawal - $4.95
Lost or Stolen Card Replacement - $9.95
Monthly Service Fee - $9.95
Non-Monetary Transactions (ATM) - $0.50
Non-Monetary Transactions (Internet) - FREE
Non-Monetary Transactions (Toll Free) - $0.50
PIN Purchase Convenience Fee - $2.00
Signature Purchase Convenience Fee - $1.00

Review by

The ACE Elite Visa Prepaid Debit Card gives cardholders the opportunity to enjoy the benefits of having a credit card without the overdraft fees and without the interest charges. A person is restricted to spend just the amount of money that is on the card. The money is FDIC insured and the card can be replaced if lost or stolen for a fee. Cash can never be replaced, making the card safer than cash.

For fee customers, there is a small monthly account fee that is charged, allowing PIN and signature purchases to be free. Pay-as-you-go customers pay a small fee per signature and per PIN transaction. Overall, the fees are low and reasonable so that an individual can enjoy the freedom of being able to carry out transactions the same is if the card were a credit card. Online and offline purchases, paying bills online and offline, renting cars, and reserving hotel rooms are the types of things that can be done.


Most attractive:
- No application fee
- FREE Savings Account
- FDIC insured accounts
- Low fee card services
- VISA benefits
Least attractive:
- Monthly service fee
- Does not report to Credit Bureaus


Other Benefits:
- Universal Acceptance
- Access to Cash Worldwide
- All-Access Direct Deposit
- Free Account to Account Transfers
- FDIC Insurance
- 24/7 Account Access
- Free Additional Cards
- Reload Card Options
- FeeAdvantage
- All-Access Bill Pay
- All-Access Wireless Alerts
Online Access:
100% Guarantee Approval:

The information provided for ACE Elite™ Visa® Prepaid Card is believed to be accurate at the time of evaluation (Aug 12, 2015). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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