Payback Rewards SM1

Earn rewards for select purchases at some of your favorite restaurants and shops with the ACE Elite® Visa® Prepaid Debit Card.

Get Started

Subject to activation and ID verification.2

Unlock Savings Opportunities

Earn Special Offers

Your everyday purchases can lead to a boost in savings. Simply use your Ace Elite Card the way you normally would: pay for dinner out, fill up your tank at the gas station near work, and shop a big sale at your favorite retailer.

The ACE Elite Card keeps track of where you like to shop and picks deals we think you'll love. In the app, activate offers you want and spend!¹

How Much do You Get from Payback RewardsSM?¹

Activate perks in the ACE Elite Mobile app3 or Online Account Center to earn cashback rewards to your Card Account when you use specific offers.

To use your offers, activate them in the app3 or Online Account Center. Then be sure to use your card at the store. We'll add the money to your Card Account!

Download the App3

Download and Go

Payback RewardsSM offers in the App

Amplify your card experience with the ACE Elite® Mobile App.3 You can activate special Payback RewardsSM offers in the app, upload checks with the Mobile Check Load feature4 and more on the go!

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1. Payback RewardsSM is an optional program. You may opt-out at any time by visiting the Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. Pathward, National Association, and Visa are not affiliated in any way with this program and do not endorse or sponsor this program.

2. IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

3. No charge for this service, but your wireless carrier may charge for messages or data.

4. Mobile Check Load is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the  First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card. Unapproved checks will not be funded to your card. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card. See your Cardholder Agreement for details. Mobile Check Load service is not available for use within the state of New York.

Apple® and the Apple logo® are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Play and the Google Play logo are trademarks of Google LLC.

The ACE Elite® Visa® Prepaid Debit Card is issued by Pathward, National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Netspend is a registered agent of Pathward, National Association. Card may be used everywhere Visa debit cards are accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.

© 2023 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.