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ACE Elite™ Visa® Prepaid Debit Card

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This is not a credit card, but it can be used to earn Payback Rewards on purchases. Depending on your chosen plan, it will cost a monthly fee of $0, $5, or $9.75, with an inactivity fee of $5.95 per 90 days without a transaction.

Our rating
Min. credit level: No credit check required
Annual Fee: Up to $9.95 monthly fee
Regular APR: Not Applicable - Paid in Full Monthly

ACE Elite™ Visa® Prepaid Debit Card

Our rating
No credit check required Min. credit level
Up to $9.95 monthly fee Annual Fee
Apply Now

Highlights & Features


  • Offers for Payback Rewards for eligible purchases

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee N/A
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card
ACE Elite™ Visa® Prepaid Debit Card


  • Direct deposit
  • No-fee cash withdrawals at ACE
  • 5.00% APY savings account for cardmembers
  • Payback rewards — earn cash rewards
  • Custom cards — design your own custom cards


Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-877-223-2274 or

Try a different phone number

The ACE Elite Visa® Prepaid Debit Card comes with a monthly fee of either $0, $5, or $9.95, depending on your plan. You can deposit money through direct deposit and get special Payback Rewards for your purchases.

Depending on your plan, this card may come with a number of extra fees such as purchase transaction fees, ATM balance inquiries, and fees for withdrawing cash if you don’t go to an ACE location.

You can use this card everywhere Visa is accepted.

This is not actually a credit card!

Keep in mind prepaid cards generally do not help you build credit since they don’t report to the credit bureaus. If you have bad credit and would like to build credit, a secured card may be a better option.

Secured credit cards »

Credit cards for bad credit »

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