Frequently Asked Questions

Have a question about the Ace Rewards Visa® Card? Review the list of most commonly asked questions below for a quick answer.

How To Apply

Ace Rewards Visa Card

Ace Rewards Visa Business Card

  • To apply in-store, simply visit your local participating Ace Hardware location
  • To apply by phone simply call 888-325-6190
Please call U.S. Bank at 800-947-1444 and choose option 1 for the status of a current credit application.

Once approved, you should receive your Card within 7-10 business days.

Basic Card Facts
You can use your Ace Rewards Visa Card everywhere Visa is accepted, at millions of locations around the world!

Yes, you can use the Card to get cash instantly at ATMs that accept Visa credit cards.

No, you save money by paying no annual fee. 

The APR is competitive for credit cards that offer rewards. You pay no interest on purchases when you pay your bill in full by the payment due date each month.

You can access your Card account from any Internet-enabled computer by logging into U.S. Bank Online Banking.
Exclusive Rewards

Select the product below to learn more about the exclusive rewards you'll earn:

Receive a $25 Ace Reward for every 12,500 points earned. Ace Rewards are redeemable at your favorite participating Ace store. You can also log into your Ace Rewards account and review your profile settings to specify at what level you would like to receive Rewards ($25, $50, $75, $100 or $125).
Yes, if you make a return to your Card your Reward point balance will reflect the deducted point value.
You can view current and year to date point activity on your monthly statement. You may also contact the Ace Care Center at
866-290-5334 to get the current number of points available to you.
ScoreBoard Reporting
ScoreBoard is a free online tool that allows you to monitor your Ace Rewards Visa credit card spending through the use of easy-to-read charts and graphs, helping to trend spending patterns over various time periods. ScoreBoard also offers additional reports that help you better manage your Ace Rewards Visa credit card spending overall.
ScoreBoard is FREE for all Ace Rewards Visa cardmembers that have an Online Banking account.
ScoreBoard is updated once a month, by the fifth business day.
No. ScoreBoard does not replace your current Ace Rewards Visa credit card statement.  ScoreBoard will replace the Annual Account Summary that was delivered each year through Online Banking. ScoreBoard is a supplemental tool that provides a combined overview of your credit card spending activity, plus additional reports to help manage your card spending overall.
ScoreBoard uses U.S. Bank-defined categories and only includes purchases and returns from your Ace Rewards Visa credit card. Financial management software like QuickBooks may include a broader picture of your finances.
There is a rolling 36 months’ worth of history available within ScoreBoard. Select the time periods you wish to compare through various date controls found on the Spend or Reports tab.

Yes. You can print the report in one of two ways. To print the page you are viewing, select Print from the ScoreBoard navigation bar and it will launch the print function from your browser menu. ScoreBoard will print the entire Spend or Reports page.

To download or save the Spend or Reports information available within ScoreBoard, select Download from the ScoreBoard navigation bar. Then select the format (i.e., PDF, Image, XLS [Version 2000 or later] or CSV).

To download or save a report, select a Download option from the radio buttons available in the report criteria section.

Yes. You can download the information from Scoreboard into Microsoft Excel, PDF, HTML or CSV format and then import into these systems. For information on importing data into QuickBooks, visit QuickBooks support.
ScoreBoard includes purchases and returns associated with your Ace Rewards Visa credit card.
These transaction types are excluded from your Total Spending because they may result in an overstatement of your Total Spending.
Visa has assigned every merchant to a specific category or classification. When you make a credit card purchase, U.S. Bank receives this classification along with information about your purchase, and we use this classification to categorize your transaction. If a merchant is a large company with many different departments, we cannot specify the department from which the item was purchased.
No. All transactions are automatically categorized based upon the U.S. Bank defined categories.
Other Benefits
Visit our Benefits Information for a complete listing of all the benefits you will enjoy:
Ace Rewards Visa Card 
Ace Rewards Business Visa Card 
Your statement is designed to make it easy to view important information on your account. Learn more.
Users that are unable to download files or view online statements should change the 'Do not Save Encrypted Pages Setting' in the Security section. To change this setting:
  1. Go to: Tools > Internet Options
  2. Select the Advanced tab
  3. Scroll down to the Security section and uncheck 'Do not Save Encrypted Pages to Disk' setting
U.S. Bank may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of this Card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

©2016 U.S. Bank National Association

Subject to credit approval.