Aspire® Credit Card

Aspire® Credit Card Review

This is a 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

• 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%.
• Rewards program. This credit card offers 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® 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 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® Credit Card

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

Aspire® Credit Card FAQ

Does Aspire® Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Aspire® Credit 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® Credit 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® Credit 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® Credit Card?

The following fees apply:

Aspire® Credit 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® Credit Card report your account activity to credit bureaus?

Yes, Aspire® Credit 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® Credit Card

• Visit the Aspire® Credit 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.