Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
29.99% - 36.00%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
32.99% - 36.00%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
300 - 850
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Annual Fee
Starting at $85
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Aspire® Credit Card Review
This is a cashback credit card issued by The Bank of Missouri. If you're wondering whether Aspire® Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- APR: This is not a great card for people who carry a balance. It has a fixed purchase APR that ranges from 29.99% up to 36.00%.
- A 3% balance transfer fee. Aspire® Credit 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 up to 3% every time you make a transaction outside the U.S.
- Gas rewards. on eligible fuel purchases.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Aspire® Credit Card
| The Good | The Bad |
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Aspire® Credit Card FAQ
Does Aspire® Credit 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 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | Up to 3 % cash back (*See Program Terms for important information about the cash back rewards program.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | Up to 3 % cash back (*See Program Terms for important information about the cash back rewards program.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Utilities | Up to 3 % cash back (*See Program Terms for important information about the cash back rewards program.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Aspire® Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Aspire® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Aspire® Credit Card benefits?
Aspire® Credit Card provides the following benefits:
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Aspire® Credit 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® Credit Card has a fixed purchase APR that ranges from 29.99% up to 36.00%. The card has a fixed balance transfer APR that ranges from 32.99% up to 36.00%. It also has a fixed cash advance APR that ranges from 29.99% 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® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Aspire® Credit 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® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Starting at $85 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $19 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee as low as $85.
There is a late fee of up to $41 . Does Aspire® Credit Card have a foreign transaction fee?
Aspire® Credit 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® Credit Card?
The customer service number for Aspire® Credit Card is (888) 547-6541.
How do people rate the customer service and user experience of Aspire® Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Aspire® Credit Card report your account activity to credit bureaus?
Yes, Aspire® Credit Card 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® Credit 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® Credit Card
- Visit the website of Aspire® Credit 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.
Aspire® Credit Card Disclosure: *See Program Terms for important information about the cash back rewards program.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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
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Purchase APR
35.99%
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Balance Transfer APR
N/A
Credit Score Range
550 - 620
300
850
Annual Fee
$48 - $75
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Purchase APR
35.90%
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Balance Transfer APR
35.9%
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Credit Score Range
300 - 640
300
850
Annual Fee
$99
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Rating not yet determined
Purchase APR
36%
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Balance Transfer APR
36%
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Credit Score Range
300 - 850
300
850
Annual Fee
$0 - $49
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Rating not yet determined
Purchase APR
29.99% - 35.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$125
Rating not yet determined
Purchase APR
N/A
Disclaimer popup with additional information
Balance Transfer APR
N/A
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$349
Rating not yet determined
Purchase APR
24.99% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
24.99% - 27.99%
Disclaimer popup with additional information
Credit Score Range
Starting at 580
Annual Fee
$0 - $39
Rating not yet determined
Purchase APR
24.99% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
24.99% - 27.99%
Disclaimer popup with additional information
Credit Score Range
Up to 850
Annual Fee
$0 - $39
Purchase APR
24.90% - 35.90%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$49 - $125
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-100
-1000+100
No one recommends
Everyone recommends
Aspire® Credit Card Community Reviews
Would you recommend Aspire® Credit Card to your friends?
BB
Barry B.
May 27, 2024
May or may not recommend
Payed money to get card but never got it but they charged me 25 dollars on top of the money I put out in the first place still never used or seen the card
AF
April F.
Dec 31, 2022
May or may not recommend
Hidden Scam--They Charge You a "Maintenance Fee" Staring Year 2, and You Can't Get Out of It
Aspire lured me in offering a credit card with no annual fees or any other fees for just having the card. Then, when I had the card for almost a year, I received a letter from them informing me that they would start charging me a "monthly maintenance fee." The fee is $5 a ...Show More
Pluumy
Nov 29, 2022
May or may not recommend
They are frauds, they have rude and robotic customer service and take from your account without telling you thinking it’s helping but in all actuality it’s hurting you severely! This is not the first time this has happened and I will make sure to report them to the news, bbb and many other outlets to make sure no one ever gets any kind of account with this company!
MK
Mary Kay L.
Nov 27, 2022
May or may not recommend
No definitely not. I closed the card because of the monthly fees. I was told by the agent that I would not be charged the annual fee. But just the monthly fee. I was charged the annual fee on a closed card because there was a balance. No other credit card has ever done that. I DDO NOT recommend this card!
Showing 4 of 4 reviews
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