This Offer Is Not Available
Aspire® Cash Back Rewards Card
Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% 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 Credit Score†
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry into your credit history (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.- APPLY NOW for the Aspire® Cash Back Rewards Card
This Offer Is Not Available
Aspire® Cash Back Rewards Card Review
August 22, 2022
Who is the Aspire® Cash Back Rewards Card for?
The Aspire® Cash Back Rewards 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, and $229 thereafter. Unlike a lot of other cards in this credit segment, the Aspire Cash Back Rewards Card does not charge any one-time fee prior to account opening.
Applicants can prequalify 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 Rewards 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 first year, $229 thereafter
- Interest Rate: 36% (Fixed) for Purchases, 3% for 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.
Serious Security
100% Free
