Aspire® Cash Back Reward Card

Aspire® Cash Back Reward Card Review

This is a cashback card issued by The Bank of Missouri. If you're wondering whether Aspire® Cash Back Reward Card is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 22.74% up to 36.00%.
• 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.
• 3% Balance transfer fee. Aspire® Cash Back Reward Card 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 3% every time you make a transaction outside the U.S.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Aspire® Cash Back Reward Card

The Good	The Bad
Free access to your credit score. Identity Theft Protection. Considers applicants with fair credit. Cardholders can earn rewards on their purchases. Aspire® Cash Back Reward Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 3% balance transfer fee.

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.

Aspire® Cash Back Reward Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)

What are the Aspire® Cash Back Reward Card benefits?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Aspire® Cash Back Reward Card has a variable purchase APR that ranges from 22.74% up to 36.00%. The card has a variable balance transfer APR that ranges from 25.74% up to 36.00%. 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.

What are the fees for Aspire® Cash Back Reward Card?

The following fees apply:

Aspire® Cash Back Reward Card Fees

Fees	Amount
Annual Fee	Starting at $0 up to $49
Foreign Transaction Fee	3%
Returned Payment Fee	$41
Late Payment Fee	$41

Does Aspire® Cash Back Reward Card report your account activity to credit bureaus?

Yes, Aspire® Cash Back Reward Card reports your account activity to the following credit reporting agencies:

• 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 improve your credit.

How to apply for Aspire® Cash Back Reward Card

• Visit the Aspire® Cash Back Reward Card website.
• 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.