Is the Aspire Card a good first time credit card?

Yes, the Aspire Card will do a hard pull when you apply for it. This can have a short-term negative effect on your credit score.

The good news is that you can apply with bad credit and you'll need to check if you prequalify first. Prequalifying won’t affect your credit score but will help you assess your approval odds.

No, the Aspire Card isn't a particularly good card. It's a rather expensive unsecured card for people with bad credit. It has an APR of 36% Fixed and charges an annual fee, as well as monthly fees. These fees vary based on each cardholder's creditworthiness.

If you have less than perfect credit, it's better to apply for a secured card with lower fees instead. You can check out our editor's latest picks for the best secured credit cards to...

The Aspire® Cash Back Rewards Mastercard is available to people with bad credit. That means people with credit scores below 640 credit may have a shot at getting approved for the card. You can check your credit score for free here on WalletHub to get an idea of your current standing.

It's important to note that plenty of other things will impact your chances of being approved for the Aspire Card. Some other key criteria include your income, existing debt load, recent credit inquiries,...