Credit Cards (US)
Aspire® Cash Back Reward Card review
If you need a credit card that allows you to check your credit score for free, see our Aspire® Cash Back Reward Card review to learn more!
Aspire® Cash Back Reward Card: Cash back rewards and $0 fraud liability!
A credit card can help many people who need a card to build their credit score. Also you can check your credit score for free to plan your credit score building. And that’s where the Aspire® Cash Back Reward Card comes in.
This card offers amazing features for those with low scores who need an upgrade to their rating. So, keep reading our Aspire® Cash Back review to learn more!
Credit Score | Fair. |
Annual fee | As low as $85. |
Regular APR | 29.99% or 36% Fixed. |
Welcome bonus | N/A. |
Rewards* | 3% cash back on eligible purchases; 1% cash back on all other purchases. |
How to apply for the Aspire® Cash Back Reward Card
Looking for a credit card with free credit score checking? So, read our post about the Aspire® Cash Back Reward Card application!
How does the Aspire® Cash Back Reward Card work?
With this Aspire credit card, you can check your credit score for free. This way, you can follow a plan to start building credit and organize your finances a bit better.
Also, you can have full control over your credit card account. For example, you can set up transaction alerts. Moreover, you can get access to $0 fraud liability, so you are not responsible for unauthorized purchases.
In addition, you can manage your account from any device online and 24/7. Plus, you can complete the application process very fast after you receive an invitation.
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Aspire® Cash Back Reward benefits
This Aspire credit card offers many benefits, such as a safe application process and access to $0 fraud liability. Also, you can check your credit score for free, which can really help you build credit.
However, as with many other credit cards, this Aspire card also has some disadvantages. For example, there isn’t much information about a rewards program.
So, check out our list below of the pros and cons of the Aspire® Cash Back Reward Card!
Pros
- 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®.
Cons
- There is not much information about a rewards program or a welcome bonus for new cardholders.
- The annual fee depends on your creditworthiness.
How good does your credit score need to be?
You don’t need a high credit score to have a chance of qualifying for this Aspire card. Also, you get an invitation before you start the application process. This way, you know that they already know your profile.
How to apply for the Aspire® Cash Back Reward Card?
You need to get an invitation before you start the application process to get this Aspire credit card. So, you can check out our post below to know all about how to apply for the Aspire® Cash Back Reward card!
How to apply for the Aspire® Cash Back Reward Card
Looking for a credit card with free credit score checking? So, read our post about the Aspire® Cash Back Reward Card application!
*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 / Victória Lourenço
Reviewed by / Aline Barbosa
Senior Editor
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