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!


by Suzana Brito

Published on 11/26/2022

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

bad credit cash back

Up to 3% cash back. 1% cash back on all your purhases!

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 pre-qualify 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

You will be redirected to another website

Aspire® Cash Back Reward Card

  • Credit Score: Bad credit;
  • Annual Fee: Up to $175 for the first year. After that, up to $49 annually;
  • Regular APR: See terms;
  • Welcome bonus: No welcome bonus;
  • Rewards: Earn a 3% cash back on eligible gas, grocery, utility purchase, and payments; also a 1% cash back on all other eligible purchases of goods, services, and payments.

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.

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.

Trending Topics


Ally Bank Mortgage review: how does it work, and is it good?

Don't get a loan before reading this Ally Bank Mortgage review. We'll cover everything from interest rates to customer service. Keep reading!

Keep Reading

What are student loans: a 101 guide to finance your studies

Read on to find out what are student loans, the different types available and what you can do if you're struggling to make payments.

Keep Reading

Application for the BMO CashBack Business Mastercard card: how does it work?

Want to know how to apply for the BMO CashBack Business Mastercard card? We are going to give you a hand with this simple step-by-step guide.

Keep Reading

You may also like


How to buy cheap Delta Air Lines flights

Find the best places to buy cheap Delta Air Lines flights with our insider tips. Find flights from $79.99 and save a lot!

Keep Reading

Revvi Credit Card: credit card for bad credit with cashback

The Revvi Card saves your bad credit while you get 1% cash back on all purchases. Read our review to learn more. Check it out!

Keep Reading

Mortgage statement: what it means and how to read it

A mortgage statement can be confusing, but this guide will break it down so you know exactly what's going on. Read on!

Keep Reading