Aspire Credit Cards

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, number of open accounts, housing status, and employment status.

Finally, keep in mind that lenders might use a different score when deciding whether to approve you for a financial product and approval is never guaranteed.

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.

You can increase your Aspire Card credit limit by using the card regularly, staying below your credit limit, and paying more than the minimum amount due each month. Aspire Card does not accept credit limit increase requests from cardholders, though they do keep track of your account activity to see if you are eligible for a credit limit increase. If you do qualify for a higher credit limit, the increase will apply automatically, and you will be...

The Aspire® Cash Back Rewards Mastercard is a Mastercard, not a Visa. You can use your Aspire Card at nearly 11 million merchants that accept Mastercard nationwide, plus abroad in more than 200 countries and territories.

There are a few relatively small differences between Visa and Mastercard credit cards, such as the network-level benefits they offer. But the two card networks have a lot in common, including extensive worldwide acceptance. Because the features the networks offer are so similar, it's better...

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...