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Aspire® Cash Back Reward Card
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On Aspire Card's secure site
Rewards Rate
Up to a 3% Cash Back Reward
Credit Line
Up to $1,000 credit limit subject to credit approval
Mastercard Benefits
Accepted by merchants worldwide
Card Network
Annual Fee
As low as $85
Credit Score Needed
Fair, Bad
Offer Details
  • With the Aspire® Mastercard® Credit Card, you earn a 3% cash back reward on Gas, Groceries and Utility Payments

  • Earn a 1% cash back reward on all other purchases

  • Up to $1,000 credit limit subject to credit approval

  • Pre-qualify without affecting your credit score

  • No deposits or program fee

  • Free access to your Vantage 3.0 score from Equifax†

  • Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

  • Simple Secure Online Application

  • Unsecured Mastercard®

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    All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

    Aspire® Cash Back Reward Card Review

    February 5, 2022

    Who is the Aspire® Cash Back Reward Card for?

    The Aspire® Cash Back Reward Card is an unsecured credit card for people with bad credit, which means there is no security deposit needed and you can get approved even with a poor credit history. The card offers up to 3% cash back rewards which is very rare in its class, however, it comes at a cost. The card comes with an annual fee of $85 - $175 for the first year which drops to $29 - $49 from the second year on, but it is accompanied by a monthly fee of $7.25 - $12.50 at that point. Unlike a lot of other cards in this credit segment, the Aspire Cash Back Reward Card does not charge any one-time fee prior to account opening.

    Applicants can pre-qualify for a $1000 credit line without hurting their credit score. Cardholders get mobile account access with transaction alerts and free monthly online access to their VantageScore 3.0 credit scores from Equifax. The card issuer, The Bank of Missouri, regularly monitors credit card accounts and responsible credit use can help users get approved for a credit line increase over time.

    Aspire Cash Back Reward Card Highlights

    • One-time fee: $0
    • Credit limit: Up to $1000 by pre-qualifying via the provided link
    • Rewards Rate: Up to 3% cash back rewards
    • Annual fee: $85 - $175 for the 1st year, $29 - $49 thereafter
    • Monthly fee: $0 for the first year, $5 - $12.50 thereafter
    • Interest Rate: 29.99% Variable for Purchases, 32.99% for ATM Withdrawals and Balance Transfers

    To conclude, the card has plenty to offer but the cost of owning one may throw some people off. Industry-standard features such as a cash back program, mobile account access, free monthly credit score from a major bureau, and worldwide acceptance make it an option worth considering. As long as you use your credit line responsibly and pay your bills in full and on time, you won't need to pay a dime in interest.

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