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There is no charge. In our town Ace is the only big store where everyone goes. It's a card just like at the grocery store that records your purchases so if you buy something and don't have a receipt they can look it up in the system. After 2500 points you get 5.00 off, but Ace is bad with their sales. YOu cannot use that 50% off coupon on anything on sale which is hard to find in the store. YOu cannot use your 5.00 off coupons on anything on sale. They have layaway , but only on regular priced stuff. They have good sales, but too many restrictions.

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