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Aspire® Cash Back Reward credit card full review: should you get it?

Find out all about Aspire® Cash Back Reward, the credit card that rewards people with bad scores with cashback without requiring a down payment. Check out the full review!

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Aspire® Cash Back Reward: a rare credit card that lets you rebuild your credit while earning rewards

Aspire® Cash Back
Learn all about the Aspire® Cash Back Reward credit card. Source: Aspire®

In fact, the Aspire® Cash Back Reward credit card has features that are nearly impossible for a card aimed at applicants with bad credit.

Thus, it is not easy to find a card that offers a reward and the opportunity to have an available APR below the market average. When you find a card like this, don’t let it go unnoticed.

Then read this full review and get to know the Aspire® Cash Back Reward card.

Aspire® logo

Aspire® Cash Back Reward card: check out how to apply!

Bad credit and cashback match? With the Aspire® Cash Back Reward card the answer is yes! Discover the card that gives you 1% reward on all your purchases.

Credit ScoreFair (580 to 669).
Annual FeeAs low as $85.
Regular APR29.99% or 36% fixed.
Welcome bonusNone
RewardsUp to 3% Cash Back Rewards.

Aspire® Cash Back Reward credit card: learn more about this financial product

In fact, the Aspire® Cash Back Reward card has conquered its space by offering an unusual proposal. As a result, most credit cards for people with bad credit scores do not come with welcome bonuses or rewards.

However, the Aspire® Cash Back Reward card is an exception. This is one of the few options on the market that allows you to build your credit while accumulating rewards.

The program offered by this card is up to 3% cashback on all your purchases. Another advantage is that you don’t need to make a down payment to start accessing your card’s credit service.

From the moment you receive it, you already have a limit at your disposal (non-secure card). In addition, this card has a security system that exempts the customer from liability in the event of fraud.

To track your progress in building credit, there are free consultations for your credit score. Finally, all your card information is available on the official website of that product, to be consulted from your cell phone or computer.

Aspire® Cash Back Reward credit card features

Close-up of silver credit card (Aspire® Cash Back Reward credit card)
Learn more about the card’s pros and cons! Source: Adobe Stock.

You might be thinking right now, “this card looks too good to be true”! In order for you to have a complete overview of the Aspire® Cash Back Reward card, here are the main advantages and disadvantages of this card:

What are the benefits?

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments.
  • 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®†.
  • *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.

What are the drawbacks?

  • There is a $19 fee for authorized users of the card;
  • Charges a monthly account maintenance fee ($5 to $12.5) after the first year;
  • You can only redeem your reward as credit towards your card balances;
  • 3% foreign transfer fee.

What credit score do you need to get the Aspire® Cash Back Reward credit card?

Surprisingly, this cashback card was created for people with bad credit. That way, if you have a score above 300 you may already be eligible for this one.

How does the Aspire® Cash Back Reward credit card application process work?

The Aspire® Cash Back Reward card does not take orders. In fact, that’s exactly what you read. This card is available on the market today, but is not available for conventional application.

If you are curious to know the process of applying for this card, click on the link below!

Aspire® logo

Aspire® Cash Back Reward card: check out how to apply!

Bad credit and cashback match? With the Aspire® Cash Back Reward card the answer is yes! Discover the card that gives you 1% reward on all your purchases.

About the author  /  José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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