ACE Elite Prepaid Card Review

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ACE Elite is a prepaid card managed by Net Spend and issued by MetaBank. The card offers a strong group of features such as anytime alerts, a two-day faster direct deposit program, and an interest-bearing savings account. However, the ACE Elite comes with too many fees.

How is ACE Elite rated?


Overall Rating: 0 / 10 (N/A)

The best thing about the ACE Elite prepaid debit card seems to be its high-interest savings account. Besides that, ACE Elite offers the same services as other prepaid cards, but with more fees. And with more affordable prepaid cards out there, customers need to read the card agreement carefully.

ACE Elite Card Characteristics

Card Characteristics - 0 / 10

The ACE Elite prepaid card offers three plans: standard (Fee Advantage Plan), discounted (Fee Advantage Plan with Direct Deposit), and pay-as-you-go. Monthly fees on the standard plan amount to $120 a year, but that drops by half in the discounted plan, if the customer enrolls in direct deposit. The pay-as-you-go plan has no monthly fees but the customer must pay a fee for every purchase. Also, besides direct deposit, the customer has three options for reloading money on the card, but there is no free or quick way to add money to it.

Card Balance

Minimum Balance
Maximum Balance


Smart Chip

Fees & Penalties

  • Decline Fee
  • Withdrawal Fee
  • Monthly Fee
  • Balance Inquiry Fee
  • Paper Statement Fee
  • ATM Operator Fee
  • Activation Fee
  • Purchase Fee
  • Transaction Fee
  • Recharge Fee
  • Foreign Transaction Fee
  • Transfer Fee
  • Maintenance Fee
  • Pin Debit Purchase/Transaction Fee
  • Cash Withdrawal Fee
  • Overdraft Penalty
  • Over the Counter Cash Withdrawal Fee

ACE Elite Additional Services

Additional Services - 0 / 10

The ACE Elite has a rewards and discounts program, as well as a high-interest savings account offered through MetaBank. However, checking your balance at ATMs or over the phone will cost you fees, as will asking customer service to help you transfer money.


  • No Credit Check
  • Text Alerts
  • Online Account Management
  • Mobile App
  • Budgeting Features
  • Instant Transfer
  • Savings Account
  • Purchase Protection
  • Online Bill Pay
  • Early Tax Refund


  • Cashback

ACE Elite Customer Experience

Customer Experience - 0 / 10

ACE Elite Visa Prepaid Cards are issued by MetaBank, which has a good rating with the Better Business Bureau, but no reviews on TrustPilot. However, we found mixed reviews regarding the prepaid card. Most customers point towards the lack of an FAQ section and the steep monthly and overdraft fees.

Help & Support

  • Phone
  • Email

Reviews and Complaints

BBB Rating
CFPB Total Complaints
Date Collected

Company Profile

Full Name
ACE Elite Prepaid Card
Company Website
1231 Greenday Drive, Suite 600, Irving, TX, 75038

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