Last Updated: 10/08/2025
Aspire® Cash Back Rewards Mastercard
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in Credit Cards from The Bank of Missouri
Last Updated: 10/08/2025
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Highlights
Purchase APR (Variable APR)
36%(Verified 03/26/2025)
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Balance Transfer APR (Variable APR)
36%(Verified 03/26/2025)
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Credit Score Range
300 - 850
Annual Fee
$0 - $49
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Aspire® Cash Back Rewards Mastercard Review
This is a cashback credit card issued by The Bank of Missouri. If you're wondering whether Aspire® Cash Back Rewards Mastercard is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 36%
- Cash rewards. This credit card offers cash rewards on your purchases, but you will have to pay an annual fee of up to $49 for the privilege.
- A 3% balance transfer fee. Aspire® Cash Back Rewards Mastercard charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Aspire® Cash Back Reward Card
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Aspire® Cash Back Reward Card FAQ
Does Aspire® Cash Back Reward Card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
Does Aspire® Cash Back Reward Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Aspire® Cash Back Reward Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Aspire® Cash Back Reward Card benefits?
Aspire® Cash Back Rewards Mastercard provides the following benefits:
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Aspire® Cash Back Reward Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Aspire® Cash Back Rewards Mastercard has a variable purchase APR of 36%. The card has a variable balance transfer APR of 36% . It also has a variable cash advance APR that ranges from 25.74% up to 36.00%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Aspire® Cash Back Reward Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Aspire® Cash Back Reward Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Aspire® Cash Back Reward Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 - $49 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $0 up to $49.
There is a late fee of up to $41 . Does Aspire® Cash Back Reward Card have a foreign transaction fee?
Aspire® Cash Back Reward Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Aspire® Cash Back Reward Card?
The customer service number for Aspire® Cash Back Reward Card is (888) 547-6541.
What is the login page for Aspire® Cash Back Reward Card?
You can access the login page of Aspire® Cash Back Reward Card here.
How do people rate the customer service and user experience of Aspire® Cash Back Reward Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Aspire® Cash Back Rewards Mastercard report your account activity to credit bureaus?
Yes, Aspire® Cash Back Rewards Mastercard reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does The Bank of Missouri perform a hard credit pull?
Yes, Aspire® Cash Back Reward Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Aspire® Cash Back Reward Card
- Visit the website of Aspire® Cash Back Reward Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed