Credit Cards
Aspire® Cash Back Reward Card Review
Are you looking for a card with cash back and have a not-so-good score? If so, read our Aspire® Cash Back Reward Card review to learn more!
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Earn up to 3% back on purchases!
There are a lot of different credit cards on the market these days, and it can be tough to choose the right one. But you can read our Aspire® Cash Back Reward Card review to learn more about this great card!
If you are looking for a card that offers cash-back rewards, the Aspire® Cash Back Reward Card may be a good option. But is it the right card for you? Keep reading to find out.
- Credit score: Poor or fair;
- Annual fee: 49 to $175 in the first year and $0 – $49 annually after that;
- Regular APR: 29.99% or 36% (variable) on purchases;
- Welcome bonus: N/A;
- Rewards: 1% cash back on all other eligible purchases.
The Aspire® Cash Back Card is designed to give you management control over your finances through the Aspire® Account Center app. It’s available for download on both the Google Play and Apple App Store.
With this credit card, you can do it all. You can make payments, set up alerts, lock cards, check your balance, see transaction details, and more.
Moreover, your Aspire Mastercard® Credit Card comes with a free monthly credit score update when registering your card online.
And a zero down payment is required! With this Mastercard® credit card, you will have instant access to a worldwide network of ATMs numbering millions.
Not to mention that there is monthly credit bureau reporting and solid rewards.
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Now that you know more about how this credit card works, how about comparing its pros and cons?
See our list below, which contains the main information you should know to make a planned financial decision.
Pros
- Earn cash back on all purchases;
- Build credit easily;
- No security deposit is required;
- Qualify with a lower credit score;
- Manage your account through their mobile app;
- Free credit score access.
Cons
- Higher fees;
- Higher APR;
- Limited reward redemption.
Want to apply for the Aspire® Cash Back Reward Card?
Finding a card that offers good rewards can be tough if you have bad credit. One excellent choice, however, is the Aspire® Cash Back Reward card. Especially if you want to rebuild your credit history.
Below, you’ll discover how to apply for the card and what you can expect once approved. So keep reading to learn more!
Whether your score is fair or good, you can still apply for the Aspire® Cash Back Reward Card. So do not worry if you are not perfect!
In addition, if approved, you can start building credit over time with on-time payments.
Requirements
To apply for the Aspire® Cash Back Reward Card, the following requirements typically apply:
- Age and Residency: Must be at least 18 years old and a U.S. resident.
- Credit History: Accessible to individuals with less-than-perfect credit, but approval is subject to credit evaluation.
- Income Verification: Proof of income is required to demonstrate the ability to repay.
- Prequalification Option: You can prequalify without impacting your credit score, but final approval depends on meeting all criteria.
Approval is not guaranteed even if these requirements are met, as additional factors may influence the decision.
Apply online
The easiest and most common way to apply is by accessing the Aspire® Cash Back Reward card’s website. See the steps below.
After you access their website, you must respond to their offer to you. How? First, confirm that you have received your acceptance code.
Said code was or will be sent to your email address. After you confirm it is there, all you will need to do is to respond to this offer. Finally, request your card!
Enter your acceptance code and then click the “submit code” button. The website can also be altered to Spanish. All information you provide will be secured.
Did you not find your code? If you are already a member, first log in. If not, make sure you create an account.
Your code will have fourteen digits. They appear in bold black font, typically at the bottom or end of the email you received or will receive.
To search for your 14-digit code, enter the following information: last name, last four digits of SSN, and zip code. Click on continue. Remember to save your application and return to it later.
The Aspire® company has the Aspire Account Center. It is available for download at both Google Play and Apple Store.
Although the app’s purpose is to give the cardholder control, we could not verify if it is possible to apply for a credit card.
You can log in or create an account using the app. After logging in, you must accept their terms of service. Spanish is also available.
Aspire® Cash Back Reward vs. Upgrade Cash Rewards
Of course, there are other good card options within this category. Below, you see one of these options.
The Upgrade Cash Rewards is also a great option for those without a good credit score. In addition, it has no annual fee but does have welcome bonuses.
Aspire® Cash Back Reward
- Credit score: Poor or fair;
- Annual fee: 49 to $175 in the first year and $0 – $49 annually after that;
- Regular APR: 29.99% or 36% (variable) on purchases;
- Welcome bonus: N/A;
- Rewards: 1% cash back on all other eligible purchases.
Upgrade Cash Rewards Visa® card
- Credit score: Fair;
- Annual fee: $0;
- Regular APR: Variable between 14.99% and 29.99%;
- Welcome bonus: Get $200 if you open a Rewards Checking account and make at least three debit card transactions;
- Rewards: 1.5% unlimited cashback on all purchases.
Is the Upgrade Cash Rewards Visa® card is the best option for you? If so, read our post below to learn about the application process!
Applying for the Upgrade Cash Rewards Visa® card
If you want unlimited 1.5% cashback on any purchase you make, read on to learn about the Upgrade Cash Rewards Visa® card application!
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