I also wanted to add that I also use Ace elite cards. Now, at first I loved the card but after a while I found out this card is expensive to use. I get charged a dollar every time I purchase some thing. Then, I get charged to load the card. There are 2 plans to choose from one is almost ten bucks a month just to use the card or you can opt for the one dollar fee each time your card is used. In my eyes, this is way too many fees for a card that doesn't help one to improve their credit. Overall, if you know of a card that costs you nothing to use, then I would opt for the free card.