Aspire® Cash Back Reward Card review
Check out our Aspire® Credit Card review to discover what it offers and whether it is a good option for you. Read on!
Aspire® Cash Back Reward Card review
Aspire® Cash Back Reward Card: Build your credit score and earn rewards!
When it comes to your finances, there’s no room for errors. Stick with us to this Aspire® Cash Back Reward Card review to see if this card can make you rest assured that your credit is in good hands.
Get an overview of its highlights, pros and cons, and fees. Read on!
- 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.
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Aspire® Cash Back Reward Card: how does it work?
The Aspire® Credit Card is one such option for people who don’t want the hassle of accessing credit limits with fair credit.
However, this unsecured credit card comes with some steep fees that may make it less attractive than other alternatives available.
On the good side, it’s not required a security deposit, so you can’t pay this extra cost. Also, the credit limit can get up to $1,000.
It’s one alternative to repair credit because it has monthly credit reports to the bureaus.
One of the most attractive things about this card is the cash-back offer. The rewards can go 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.
Remember to refrain from defaulting on your payment. Otherwise, you can create a monster interest rate, hurting your score even more.
Finally, it comes with a modern system. Cardholders can download the app and monitor their accounts through their cell phones. It still offers 24/7 support.
Aspire® Cash Back Reward Card: should you get one?
You should get this card if you are willing to pay for its maintenance or want to enjoy a higher credit limit. It can be a trap to fair credit, though.
So, before you jump to any conclusions, weigh the pros and cons.
- Earn 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.
- Earn 1% Cash Back Rewards* on all other eligible purchases;
- Up to $1,000 credit limit subject to credit approval;
- Prequalify** without affecting your credit score;
- No security deposit;
- Free access to your VantageScore 4.0 score from TransUnion®†.
- Expensive annual fee;
- There’s a monthly fee after the first year of the account;
- The APR is high.
Credit score required
The Aspire® Cash Back Reward Card takes customers with fair credit. This card can be used to rebuild a fair score or to start your credit from scratch.
Aspire® Cash Back Reward Card application: how to do it?
Are you eager to apply for the Aspire® Cash Back Reward Card? Get your application started by following our guide below.
*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
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