| Rewards | You earn points (Ace Rewards points) for every dollar of net purchases (returns/credits excluded). Up to 5% back in points when you make purchases at participating Ace Hardware stores. About 2% back in points on gas and grocery store purchases. About 1% back in points on all other purchases wherever Visa is accepted. |
|---|---|
| Signup Bonus | None |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | N/A |
| Cash Advance Fee | 3% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $38 |
| Purchases APR | 15.24% to 24.24%, based on your creditworthiness (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Ace Rewards Visa Credit Card is known for giving loyal Ace Hardware shoppers extra value through its cash-back rewards. You earn points on everyday purchases — with the best rate on Ace Hardware spending — and there’s no annual fee, which makes it appealing for frequent DIYers and homeowners who already shop at Ace.
Most users say they like how simple and automatic the rewards are, especially when redeemed toward future Ace purchases. Many reviewers mentioned that customer service through U.S. Bank is reliable and that the card’s online management tools are easy to use.
On the flip side, users often complain about the high purchase APR and limited redemption options — rewards mainly benefit those who actually shop at Ace. Others note the lack of a strong sign-up bonus and minimal perks beyond store rewards.
Personally, I think the Ace Rewards Visa makes sense if you’re a regular Ace shopper looking to rack up savings on tools, paint, or home projects. But if you want broader cash-back flexibility or travel perks, you’ll find better value with a general rewards card.
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