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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.

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Aspire® Credit Card: Turn your routine purchases into points for your credit score

Aspire® Credit Card
Learn all about the Aspire® Credit Card. Source: Aspire®

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® logo

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 ScoreBad/fair (between 669)
Annual FeeAs low as $85
Regular APR29.99% or 36% Fixed
Welcome bonusNone
RewardsNone

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.

Aspire® Credit Card features

A girl with a smile in a jeans jacket shows a black bank credit card in her hands. Banking concept
Learn more about the card’s pros and cons. Source: Adobe Stock

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® logo

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.

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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