Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
29.99% - 36.00%(Verified 06/21/2024)
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Balance Transfer APR (Fixed APR)
32.99% - 36.00%(Verified 06/21/2024)
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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
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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.
What is the login page for Aspire® Credit Card?
You can access the login page of Aspire® Credit Card here.
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.
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