Credit Card Review & Application

4.5

out of 5

- Join the Fight Against Breast Cancer. Official Sponsor of the National Breast Cancer Foundation (NBCF).
- Need your money before payday? Get paid up to 2 days faster with direct deposit.*
- Mobile account access - available on GooglePlay and Apple App Store.
- Earn up to 6.00% Annual Percentage Yield (APY) with an optional Savings Account, earn up to 6.00% Annual Percentage Yield (APY)
- Optional debit card overdraft service
- Get payback rewards when you use spacial deals
- Since 2016, purchases from the ACE Elite Card have contributed to over $2+ million towards NBCF's early detection screening program for those in need.



Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 0.00% (fixed)*
Annual Fee: See Terms*
Card Issuer: Meta Bank
Card Network: VISA®
Card Category: Consumer (Stored Value)
Card Type: - Affinity
- Card for Bad Credit
- Debit Card
- Diehard Fans Card
- Guaranteed Approval
- No Credit Check
- Prepaid & Debit
- Young Adults
- Reward Card
Credit Needed: Bad Credit OK*

The ACE Flare Account by MetaBank is a prepaid debit card for those who do not want to spend more money than what they have. It is the ideal card for those who have bad credit and who may not be able to open a checking account. Some simply do not like to rely on credit, while others don't want to deal with the overdraft fees that can result from a checking account allowing a person to spend more than they have.

This card is issued by MetaBank and can be used on everyday purchases, to pay bills, to reserve hotel rooms, get rental cars, and so much more. Because it sports the Visa logo, it can be used anywhere worldwide that accepts Visa. This is a great alternative to cash because it is safer than cash in that the money can be transferred to a new card if the card is lost and that the money is insured through the FDIC.

There are a number of fees that may occur, such as a small fee for pay-as-you-go customers for PIN and signature purchases. These types of customers are those who do not use the card often. Those who intend on using the card as their primary method of payment will prefer to become a fee customer who pays a small monthly maintenance fee. There is no charge for PIN and signature purchases on these cards. There is also a card fulfillment fee for all customers when the card is ordered. When the account is dormant for 90 days, a small account maintenance fee will apply, as well as a card replacement fee if the card is lost or stolen. And there is also a small ATM transaction fee in addition to the fee charged by the ATM's owner.

To deposit money into the account, there are three ways in which money can be added. The first is through free direct deposit. The second is by free account-to-account transfer when done online. A small fee is applied when account-to-account transfers are done by a customer service representative. The third method is through visiting a reload center. There are many throughout the United States. The cost of reloading at a reload center is determined by the distributor.

Because this is a prepaid debit card, cardholders do not have to worry about overdraft fees for the fact the amount that can be spent is the amount that is in the account. In addition, one of the best reasons to use this card is the impact on breast cancer research since proceeds are donated to this cause whenever you use your card.


The review prepared by . Opinions expressed therein are solely those of the reviewer.

Rewards: - Earn payback rewards
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
- NetSpend National Savings (5% APY - limited time offer)
Online Account Access: Yes
100% Guarantee Approval: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 0.00% (fixed)*
Annual Fee: See Terms*
Grace Period: None**
Late Payment Fee: N/A*
Balance Transfer: No
Opening Minimum: $10.00
Application Fee: $0.00
ATM Fee: $2.50
Additional Fees Monthly Fee: $9.95
Monthly Fee (with DD): $5.00
ATM Balance Inquiry Fee: $1.00
Activation Fee: $3.00
Card Replacement: $3.95
Custom Card Fee: $4.95
Account Closing Fee: $15.00
Card Reload Fee: FREE
Overdraft Fee (Optional): $20.00
Foreign Transaction Fee: 3.0%
ATM Cash Withdrawal Fee Domestic - $2.50
ATM Cash Withdrawal Fee International - $4.95
Balance Inquiry Fee ATM Domestic - $1.00
Balance Inquiry Fee ATM International - $1.00
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* The information provided for ACE Flare™ Account by MetaBank is believed to be accurate at the time of evaluation (Sep 18, 2021). We strongly advise visitors to review the terms and conditions to verify accuracy of the information and fees posted prior to applying for the product.




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