ACE Elite(TM) Visa® Prepaid Card

Overall Rating

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Intro APR: No intro APR
Regular APR: N/A*
Intro Balance Transfer: N/A*
Ongoing Balance Transfer: N/A*
Annual Fee: See Terms*
Credit Needed: Bad

Highlights

  • 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.*

Details from the CompareCards.com Editorial Team

From the CompareCards.com Editorial Team:

The ACE Elite Visa Prepaid Card is a typical prepaid credit card so you can get one even if you have bad credit and without a credit check or application process. Almost everyone is approved and you can use the card anywhere that Visa cards are accepted.

There are three different plans to choose from when selecting an ACE Elite Visa Prepaid Card. So depending upon your own spending patterns or credit card usage habits you can choose the one that works best for you. Some tack on small fees of a dollar or two, for example, for each of your card transactions. If you have multiple transactions each month then that program or plan may not be ideal, but if you only have a few transactions then the convenience of using the card may justify the fee.

You can get special account updates through Anytime Alerts and can check your account at ATM machines for free, which is a way to get around miscellaneous fees. Keep in mind, however, that the ATM machine provider may charge you a separate fee. There are also fees of $2.50 to withdraw from an ATM.

Select the plan that makes the most sense to you after first studying all the miscellaneous fees and charges. You may order your card online or at any ACE Cash Express locations and activation can be done by phone or online. 

Expert Reviews of the ACE Elite(TM) Visa® Prepaid Card

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The Bottom Line

ACE Elite Visa Prepaid Card offers the same kinds of convenience as other prepaid cards, including the important fact that these cards are available to people with bad credit. With the ACE Elite program-qualified by making $500 or more in direct deposits to your card in one month- you have access to unlimited purchase transactions for $5/month; a $10 purchase cushion; accidental death and dismemberment coverage; and no-fee cash withdrawals at ACE.

The Good

The ACE Elite Visa Prepaid Card offers three different packages, so you can choose the one that is best for you. Earn a $10 credit when you refer a friend that signs up and payback rewards are possible through the Account Center.

The Not so Good

There are some fees associated with the ACE Elite Visa Prepaid Card. By themselves they are rather insignificant, but if you incur lots of fees each month it could get expensive.

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