Reviews
Aspire® Credit Card full review: should you get it?
Discover a tool with everything you need to leverage your credit: Aspire® Credit Card. Discover the advantages (and disadvantages) of this product.
Advertisement
Aspire® Credit Card: Turn your routine purchases into points for your credit score
Indeed, at some point in our lives, we all need or will need to build credit. At these times, it’s good to have the right tools. If your score isn’t very good, choose the Aspire® Credit Card.
Aspire® Credit Card: check out how to apply!
Apply for the Aspire® Credit Card, and you'll have a great tool to build your credit without having to make any down payment. Read on!
So, this is a card that can do a lot for you. Read the article below to understand better:
Credit Score | Bad/fair (between 669) |
Annual Fee | As low as $85 |
Regular APR | 29.99% or 36% Fixed |
Welcome bonus | None |
Rewards | None |
Aspire® Credit Card: learn more about this financial product
First of all, you need to understand that this is a tool designed for building credit. So it has two very important elements.
The first and most important, without a doubt, is to send a report to the credit bureaus in the country. The second is the opportunity to check your credit score for free on your cell phone.
This card also has a disclaimer system. That way, in case of fraud, you won’t have to pay for a purchase you didn’t make. To add an authorized user, all you need to do is pay a one-time fee of $19.
In fact, many credit cards charge much more than that. If you are late with a payment, you will not incur an APR penalty.
In fact, this is a guarantee that your debt will not increase too much if you lose control of your finances. To avoid payment delays, consider enabling automatic mobile payment.
All this with the benefits of a Mastercard® card accepted all over the world.
You will be redirected to another website
By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
Aspire® Credit Card features
Now that you know more about this credit product, see the lists below. Indeed, here are the main advantages and disadvantages of having this card in your wallet.
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®†.
And what are the drawbacks?
- Your purchase, cash advance, and balance transfer APR are relatively high (29.99% or 36% Fixed, approximately);
- In addition to the relatively high annual fee, after the first year, you will need to pay a monthly fee of $5 to $12.50;
- This card does not accept requests to increase the credit limit;
- 3% fee for foreign transfers.
What credit score do you need to get the Aspire® Credit Card?
In effect, this is a credit-building card. For that reason, it doesn’t care what your starting point is. So you can count on him if you have bad, fair, or limited credit.
How does the Aspire® Credit Card application process work?
The application process for this card deviates from the standards. So it’s important that you know how it works. To understand better, read the article below!
Aspire® Credit Card: check out how to apply!
Apply for the Aspire® Credit Card, and you'll have a great tool to build your credit without having to make any down payment. Read on!
*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.
Trending Topics
Petal® 2 “Cash Back, No Fees” Visa® Credit Card full review: should you get it?
Petal® 2 “Cash Back, No Fees” Visa® Credit Card allows you to build credit by earning up to 10% bonus cash back. Learn more!
Keep ReadingEasiest credit card to get in 2023: 5 best options
You can get the credit card you deserve, no matter your score! Discover a list of the 5 easiest credit cards to get!
Keep ReadingApply for the Single Family Housing Guaranteed Loan Program: find out how
Apply to Single Family Housing Guaranteed Loan Program and build your own home paying low interest on a government-guaranteed loan.
Keep ReadingYou may also like
Zippyloan Personal Loans Review: Fast, Flexible Funding
Explore our Zippyloan Personal Loans review catering to all credit types with secure, efficient online processing. Up to $15K!
Keep ReadingSable Debit Card: check out how to apply!
In minutes, you can apply for the Sable debit card and earn 2% cash back on purchases that no other agency offers. Click here to learn more.
Keep ReadingPetal® 1 “No Annual Fee” Visa® Credit Card full review: should you get it?
Petal® 1 "No Annual Fee" Visa® Credit Card offers up to a $5,000 limit and 10% cash back for people with bad credit. Learn more here!
Keep Reading