Credit Cards
Aspire® Cash Back Reward Card review
Read our full Aspire® Cash Back Reward Card review to learn everything you need to know about this rewarding credit card. Check its fees, benefits and features to see if it’s the right card for you.
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by Aline Barbosa
Aspire® Cash Back Reward Card: Up to 3% cash back on eligible purchases
In this Aspire® Cash Back Reward Card review, we’ll look over the features and perks of a great credit card for those looking to get the most out of their rewards.
Aspire® Cash Back Reward Card application
The Aspire® Cash Back Reward Card application process is a little different from most credit cards. Read on to learn why that is.
With this card, you can earn 1% cash back on all your purchases. Plus, 3% cash back on eligible gas, grocery, and utility purchases and payments, making it an ideal choice for everyday spending.
- Credit Score: You can apply for the Aspire® Card even with a bad score.
- APR: The standard variable APR for this card is between 22.74% and 36%.
- Annual Fee: $49 – $175 during the first year, then $0 – $49 every year thereafter.
- Fees: Monthly maintenance fee starting the second year of card membership between $5 and $12,50. One-time authorized user fee of $19. 3% balance transfer fee, $5 or 5% cash advance fee, 3% foreign transaction fee. Up to $41 on late and returned payments.
- Welcome bonus: There’s no current offer.
- Rewards: 3% cash back on eligible gas, grocery, and utility purchase and payments. 1% back on all other eligible purchases of goods and services and payments.
You can pre-qualify without impacting your score, and have free access to your VantageScore 3.0 credit score from Equifax.
That way you can keep track of your progress and make sure you’re using the card responsibly.
Aspire periodically reviews your profile and good use could get you a credit limit increase.
To learn everything this card has to offer, keep reading our Aspire® Cash Back Reward Card review below.
Aspire® Cash Back Reward Card: how does it work?
Issued by The Bank of Missouri, Member FDIC, the Aspire® Cash Back Reward Card offers international Mastercard® coverage for online and in-person shopping.
The card charges an annual fee between $49 and $175 based on your creditworthiness during the first year.
On the second year of card membership, that fee drops significantly between $0 and $49. However, it’s joined by a monthly maintenance fee between $5 and $12,50.
While that might seem too much, you can soften the blow by maximizing your cash back rewards.
With this card, you can earn up to 3% cash back on eligible gas, grocery and utility purchases – an unbeatable bonus rate!
Additionally, you’ll receive 1% cash back on all other eligible purchases and payments.
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Significant benefits and disadvantages you may find
Next in our Aspire® Cash Back Reward Card review, we’ll take a closer look at this card’s highlights and lowlights
That way, you can evaluate whether this is the right card to help you manage your finances.
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Benefits
- Unsecured credit card available for people with a damaged score;
- Up to 3% cash back on eligible gas, grocery and utility purchases;
- Pre-qualification with only a soft pull;
- Possibility of a credit limit increase with periodic reviews.
Disadvantages
- Very high variable APR, reaching up to 36%;
- Lots of membership fees are attached to the card;
Is a good credit score required for applicants?
No, you can apply for an Aspire® Cash Back Reward Card even if you have a bad credit score.
To check your approval odds, Aspire allows all new applicants to try for pre-qualification first.
Learn how to apply and get a Aspire® Cash Back Reward Card
Now that you’ve read our Aspire® Cash Back Reward Card review, it’s time to learn how to apply for the card.
In the link below, we’ll provide a complete guide of the application process. Read on for more!
Aspire® Cash Back Reward Card application
The Aspire® Cash Back Reward Card application process is a little different from most credit cards. Read on to learn why that is.
Aline Barbosa
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