ACE Elite(TM) Visa® Prepaid Card

Overall Rating


Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.0/5.0 from 44 Cardholder Reviews


44 Cardholder Reviews

Write a Review!

Add to Compare
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 Credit

Credit cards for bad credit are intended for those with a FICO score of 599 or Lower.

Get Your Free Score!


  • Click "APPLY NOW" to apply online
  • Get your tax refund faster when you e-file and use direct deposit.
  • 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 Editorial Team

From the 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


Overall Rating
  • star
  • star
  • star
  • star
  • star
Introductory APR
  • star
  • star
  • star
  • star
  • star
  • star
  • star
  • star
  • star
  • star
  • star
  • star
  • star
  • star
  • star
Regular APR
  • star
  • star
  • star
  • star
  • star
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.

Top Offers
No Annual
No Foreign Fees
EMV Chip
Balance Transfer
Low Interest
Cash Back

Selected reviews

Educational / User Friendly

I appreciate all the simple, easy-to-read facts that CompareCards offer. Each week CompareCards presents articles to teach the average consumer, lik… Read more

Rhonda Clancey

Rhonda Clancey,


Above the pack

Tops on the ConsumerAction list says it all Read more

Chris Mettler

Chris Mettler,


Super helpful

I came here looking for a card to do my balance transfer to and their livechat support was able to suggest the best option, and I was approved! Read more

Teresa Womersley

Teresa Womersley,
North Charleston


compare now

helps shopping easier in trying to get the best shopping expericenc Read more

Jane Jakins

Jane Jakins,
Ocean Springs


Best website for Credit!

Love this site for credit reports, comparing credit cards and their rates, and finding awesome deals where I actually get MONEY BACK, just for using … Read more

Stephania Green

Stephania Green,
Grosse Pointe

Share your experiences, tips and tricks with us!

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

Overall Rating


5 Star
4 Star
3 Star
2 Star
1 Star
quote arrow

Your Rating:

+44 users submitted a rating without a full review

Be the first one to write an in-depth review!

Trust & Security

Over 1,250,000 cardholders since 2005

As Seen In
Credit Card Calculators

Payoff | Balance Transfer