Aspire® Cash Back Reward Card application: how does it work?

Are you wondering if you qualify for an Aspire® Cash Back Reward Card? You've come to the right place. Learn the ins and outs to apply for this card. Read on!


Aspire® Cash Back Reward Card: Solid 1% cash back on all purchases

Aspire logo
Manage your Aspire account with mobile banking! Source: Aspire

Aspire® Cash Back Reward Card has an online application and offers mobile banking. If you love convenience, maybe this card is for you.


Credit Card

Aspire® Cash Back Reward

fair credit cash back

Earn cashback on all your purchases!

You will be redirected to another website

Keep reading to understand how the application process works and who can apply for it. Stay tuned!

Apply online

Serious focused businesswoman typing on laptop holding papers preparing report analyzing work results, female executive doing paperwork at workplace using computer online software for data analysis
Make a complete application online. Source: Adobe Stock

The process is no big deal. Just visit the website and fill out an online application form.

First, you need to prequalify for the card, and it’s necessary to go through a soft inquiry. It will not impact your credit score. Then, if you qualify, get a code to finish your application.

This step will effectively add you to their card members. There will be a harder inquiry in this part, which means your credit score may fall temporarily.

Once you have completed the application, you will need to download the app and activate your card.

After that, you can start using your new Aspire® Cash Back Reward Card.

Information you’ll need to provide during the application:

  • Personal: name, address, and Social Security number;
  • Financial: income, employment, and banking information. They might need to ask you to access your account to prove your chances of repayment.


Besides the criteria listed above, applicants need to be citizens or permanent residents of the U.S and have a valid checking account and social security number.

Also, it’s necessary to have reached at least 18 years old.

Apply using the app

You can find the Aspire app for download at Google play or the Apple store.

But you can only use it once you have your card. There are no ways to apply for the Aspire® Cash Back Reward Card through it.

However, the Aspire app is the way to manage your account. Here’s what you can do with it:

  • Activate your card;
  • Check out your score;
  • Make payments;
  • Manage your account.

Aspire® Cash Back Reward Card vs. Upgrade Cash Rewards Visa®

Aspire® Cash Back Reward Card offers 1% cash back on all purchases and makes credit reports to improve your score.

Upgrade Cash Rewards Visa® provides 1.5%, and it doesn’t charge an annual fee.

Multiple personalized credit card offers

Applying won't hurt your credit score

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Aspire® Cash Back Reward Card

  • Credit Score: Fair credit;
  • Annual Fee: As low as $85;
  • Regular APR: 29.99% or 36% Fixed;
  • Welcome bonus: No welcome bonus;
  • Rewards: Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries, and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.

Upgrade Cash Rewards Visa®

  • Credit Score: Excellent;
  • Annual Fee: $0;
  • Regular APR: variable 14.99% – 29.99% APR;
  • Welcome bonus: Earn a $200 bonus after opening a Rewards Checking account and making three debit card transactions;
  • Rewards: 1.5% cash back on all your purchases.

Below, you can find out more about the Upgrade Cash Rewards Visa® and how to apply for one.

Upgrade Cash Rewards credit card

How to apply for Upgrade Cash Rewards Visa®

You can apply for an Upgrade Cash Rewards Visa® in a couple of minutes without leaving your house to do it. Learn how to apply online for your new credit card.

*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

About the author  /  Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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