Aspire® Credit Card full review

Having a good credit score is not always possible, and you may need a credit card in these cases. Learn more about the Aspire® Credit Card.


by Sabrina Paes

Published on 11/18/2022

Aspire® Credit Card: credit rebuilding card!

Aspire® Credit Card
Read our Aspire® Credit Card review! Source: Aspire®

If you want a card but don’t have a good credit score, you can think of a few options. In that sense, this Aspire® Credit Card review will show you how good this type of credit card can be for your financial health.

Aspire® logo

How to apply for the Aspire® Credit Card

The Aspire® Credit Card can help you rebuild your credit score. However, here's how to apply to be approved and start using your card.

The Aspire® Credit Card is a very interesting option for those with bad or low credit who need to rebuild their score.

After all, with the use and payment up to date, the company reports to the main credit agencies in the country. Know more!

  • Credit Score: 300 to 850;
  • Annual Fee: $49 to $175. Then, $0 to $49 annually;
  • Regular APR: 22.74% to 36% variable APR;
  • Welcome bonus: None;
  • Rewards: 3% cash back rewards on qualifying gas, grocery, and utility purchases and some payments. Also, you can earn a 1% cash-back reward on any other eligible purchase (valid if you enroll in the cash back rewards program).
  • Terms apply.


How does the Aspire® Credit Card work?

The Aspire® Credit Card in this review is a less bureaucratic option with fairer APR interest rates. Thus, you who do not have a good credit score can request this option and be approved like others.

However, the APR rate is still higher than for those people with a high credit score due to the creditworthiness of the payment. Also, the regular use of this card allows reporting to the main credit agencies.

That way, you can gradually increase your credit score if you make your payments on time. Also, you can get cash rewards if you have a slightly higher credit score.

Aspire® Credit Card pros and cons

couple and card
See this card’s pros and cons! Source: Adobe Stock

The Aspire® Credit Card presented in this review is the perfect option for those who don’t have a good credit score.

After all, it brings a high starting limit, even with a bad track record. Also, it does not require a security deposit.

However, you may have several associated fees and a relatively high APR compared to other cards. So, check out the pros and cons and make your own comparison.



  • The initial limit can go up to $1,000 with a gradual increase for good use;
  • No deposit is required for initial insurance;
  • Application with great features and very fast monitoring;
  • Enables transactions abroad and cash advances;
  • Helps rebuild credit score by reporting good use to major US credit bureaus.


  • APR rates are relatively high when compared to cards for those with good credit scores;
  • Extra fees associated with the transfer and cash advance;
  • No rewards for anyone with a bad credit history;
  • Monthly fees for the first year and remaining for subsequent years.

Does my credit score need to be good?

As you can see in Nessa Aspire® Credit Card Review, this card is ideal for those who do not have a good credit score. Likewise, you only need to have a score above 300 to be able to apply for this card.

However, the higher your score, the lower the associated jury taxes and the greater the chances of a better limit. However, you can increase your credit score and limit it quickly with good use.

Want to apply for the Aspire® Credit Card?

The Aspire® Credit Card is very attractive for people with bad credit scores. However, knowing how to apply correctly to be accepted is important. So, check out the tips we separate in this post.

Aspire® Credit Card

How to apply for the Aspire® Credit Card

The Aspire® Credit Card can help you rebuild your credit score. However, here's how to apply to be approved and start using your card.

About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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