Couple things. Don't know what you got the $500 for but you have to report all your income even if you don't get a 1099Misc. The payer doesn't have to give you a 1099Misc for under $600 but you still have to report it. Even if you get $1 of bank interest without a 1099Int you have to report it. If it was for 1099Misc self employment income you have to pay self employment tax on it. The customer service rep was wrong or you didn't understand them.
To get the refund advance it had to be offered to you before you filed. Only certain customers get the offer. You can not select it yourself. Info on Refund Advance
https://ttlc.intuit.com/community/refunds/help/about-refund-advance/01/27333
If you put down your checking account it will be deposited into that. Don't think the card will do anything for you.
