Aspire Credit Cards

515 Reviews

Ad Disclosure

Aspire credit cards are unsecured credit cards for people with bad credit that are issued by The Bank of Missouri. There is only one Aspire credit card offer available right now, the Aspire® Cash Back Rewards Mastercard, and you can learn more about it below if you’re interested in applying. If you have a question about an existing Aspire credit card account account from Aspire (a WalletHub partner), the Aspire customer service number is (855) 802-5572

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Aspire® Cash Back Rewards Mastercard

2.67 out of 5 rating343 Reviews

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2.67 out of 5 rating343 Reviews

2.1WalletHub Rating

WalletHub Rating

2.1

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

1.7

User Reviews

2.6

Market Comparison

2.1

fees: 1.5

rewards: 5.0

cost: 1.2

Other Features: 4.7

One-Time Fees$0

Regular APR36% Fixed

One-Time Fees

Regular APR

36% Fixed

annual fee

$85-$175 1st yr, $49 after

monthly fee

$0 1st yr, $15 after

rewards rate

1 - 3% Cash Back

minimum credit

Bad

WalletHub's Take: The Aspire® Cash Back Rewards Mastercard is an expensive unsecured credit card for people with bad credit (a credit score under 640). Although the Aspire Card does not require a security deposit, it does charge an annual fee of $85 - $175 the first year, plus monthly fees after that. The annual fee drops to $49 after the first year, but a monthly fee of $15 gets added to the mix at that point.

Pros

High rewards rate
Bonus rewards categories
Qualify with bad credit
Does not require security deposit

Cons

High membership fees
High regular APR
Foreign fee

Rewards Details

Earn Cash Back Rewards* - 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
*See Program Terms for important information about the cash back rewards program.

Additional Info

Up to $1,000 credit limit subject to credit approval
Prequalify** without affecting your credit score
No security deposit
Free Access to your Credit Score†
** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

Pros, Cons, & Details

Compare

Aspire Credit Card Reviews

2.5

What's Your Rating?

karyncriddle_kc
October 14, 2025 • @karyncriddle_kc

I never received the card, so obviously I never used it, and they're trying to tell me I owe $126. It even says in the information when you sign up that they won't charge you any fees as long as you don't use it, so there is absolutely no reason I should have any balance.

Product: Aspire Credit Cards

Comment

Cara
October 4, 2025 • @caralish3

Verified Customer

Not worth it. I wish I never opened an account with these guys. I was a little late due to an unexpected unforeseen financial situation, and they closed my account without telling me. I found out from Credit Karma that it was closed. I was just about to make a large payment on it too. Now they want to send me numerous texts and emails demanding I pay my past due. I have two other credit cards, and they are both paid in full right now. They didn't even give me a chance, and now it's negative on my credit report. The card was constantly declining even though there was money on it. They are deceitful. They don't even care that people are trying to rebuild their credit and are low income either. I have Imagine and Credit One credit cards, and I have had zero issues with being a little late on a payment. I was only late once with them too, and by a few days. Neither one reported it to my credit reports and kept it as "pays as agreed" in good standing. And that's because they are truly trying to help people rebuild their bad credit. Aspire does not care because they just want your money. Go with Imagine. They won't close your account over one late payment, and they won't report it right away if you are. I am working so hard to repair my credit, and it's because of companies like Aspire, who keep setting me back. I am glad I finally found a few credit cards that work for me and are creating a positive rapport for my credit instead of negative like Aspire. When you are working that hard to fix your credit, finding a credit card company that actually works with you and wants to help you makes it worth pushing forward. Aspire is not going to do that for you if you have bad credit and need to fix it. Just putting it out there.

Product: Aspire Credit Cards

Comment

Natasha Thomas-Harp
August 28, 2025 • @natasha_thomasharp

Verified Customer

I filed a dispute regarding a charge I didn't authorize. They denied it because I "logged into the app multiple times on the day in question" and then "decided to file a claim when I was ready." That's exactly how it was told to me. Clearly, the charge in question was not present at the time I checked. I checked my account three days later and saw the charge because it caused me to exceed my limit. It took them less than a month to deny my claim because, according to them, I must have made the charge and then decided to dispute it. I will never do business with Aspire again.

Product: Aspire® Cash Back Rewards Mastercard

Comment

Victoria Warkentin
August 27, 2025 • @mammathehut

This credit card company price gouged me. My first payment was $29.95. The next month, I was over my credit card limit, so my minimum payment increased to $170.00. Upon calling the bank, they informed me it was a mistake and said I could pay $72.72. That was last month. This month, they charged me $142.00; however, when I called again, the bank stated I could pay $67.00 for this month.
I paid off the balance and closed the account.
The bank's practices are erratic. I have never been treated like this by a financial institution. I would advise caution with this bank. Their minimum payments have been erratic. This can harm someone's budget when they change unpredictably.
I forgot to mention, the minimum balances were calculated on a $575.00 balance. I only owed the bank $575.00 for the last month. The minimum payment was excessive for this balance. Be wary when dealing with Aspire Credit Card Company.

Product: Aspire Credit Cards

Comment

Lyleses07
August 13, 2025 • @Lyleses07

Verified Customer

This is an opinion piece on an experience with the Aspire credit card.

For years, my wife and I were dedicated Aspire cardholders, and over time, we had built up a substantial credit limit. Without any warning, however, Aspire closed our account due to "unexpected activity."

This was a nightmare, as all our upcoming travel plans—including rental cars, a cruise, and several Airbnb bookings—were linked to that card. After I made a large payment to the card, Aspire inexplicably canceled the pending charges and closed the account. When I called to understand why, I was told it was because I make multiple payments each month, a reason that seems absurd for a credit card company.

The closure of the account came with a huge financial blow. Aspire kept the large payment I had made, which was intended to cover our travel expenses. Since the pending charges were canceled, I had to rebook everything, often at double the cost. This left us in a difficult financial position and completely undermined the hard work we put into building our credit with them.

Aspire's customer service was terrible; they simply did not care about the situation. What kind of company closes an account because a customer makes extra payments to maintain a low credit utilization ratio, which is crucial for a good credit score? To make matters worse, they provided no immediate notification, instead opting to send a letter that would arrive ten business days later.

The experience has been so frustrating that I've decided to join the class-action lawsuit against them. This situation has been a complete mess, and their lack of communication and care has been shocking.

Product: Aspire® Cash Back Rewards Mastercard

Comment

Tiffany
August 6, 2025 • @anecia0105

This company is fraudulent. I was offered to pay $28 by July 25th and would be given a $40 statement credit. I paid through my app on July 16th and called about the statement credit today, only to be told they won't honor it because I didn't click the link in an email or call to make payment over the phone. What a fraud. Do not do business with this company.

Product: Aspire Credit Cards

Comment

sandra Belger
August 4, 2025 • @dellbabygirl68

I borrowed $2,000 and have been paying the $86 each month on time, but my loan has increased instead of decreasing. They say I need to pay more. I am on disability and cannot afford to pay more than $86 a month, and they are not offering any assistance. I do not recommend this card to anyone who is seeking help.

Product: Aspire Credit Cards

Comment

Jay Appleby
July 15, 2025 • @jasonqappleby

I have had issues with the card being declined even though it has a good balance. Recently, my transaction was flagged as fraudulent, and the card was frozen until I called customer service. I was told the issue had been resolved. I retried the transaction and it was declined again. I am really starting to dislike this card. Absolutely useless.

Product: Aspire Credit Cards

Comment

flannery_sean_d
July 14, 2025 • @flannery_sean_d

Verified Customer

Opened this card and made every payment in full and on time. Suddenly it stopped working, despite showing a balance that was more than $150.00 below my credit limit. Upon reaching out to Aspire, they said my account was closed due to "unexpected account activity". That made no sense, so I asked them what the "unexpected account activity" was, and they refused to answer me. It sounds like I'm not the only one. After paying ridiculous fees and making all payments on time and in full, my account was canceled for a reason they can't provide. This will harm my credit. Avoid this card at all costs. I was able to get multiple other cards with higher limits, lower fees, and rewards. I can't say anything good about this company. They target people with poorer credit and collect their fees, then apparently (in my case) close the card for no good reason.

Product: Aspire® Cash Back Rewards Mastercard

Comment

Jennifer Mccollum
June 27, 2025 • @Jen754

I don't understand why people are talking badly about the Aspire credit card. I haven't had any issues. In fact, these reviews scared me; I almost canceled the card. I'm glad I didn't. The interest isn't high. I got charged maybe 6 or 7 dollars; that's it. I've had a lot of credit cards charge me 70 to 100 dollars, but this card is great. I love it.

Product: Aspire® Cash Back Rewards Mastercard

Comment

Review Aspire Credit Cards

Aspire Credit Card FAQ

Get answers to your questions about Aspire Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Upvotes

What is the Aspire Credit Card credit score requirement?

Jerry Osteen

The Aspire® Cash Back Rewards Mastercard is available to people with bad credit. That means people with credit scores below 640 have a shot at getting approved for the Aspire® Cash Back Rewards Mastercard.

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Aspire Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.

If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it's best to wait to apply until you meet the Aspire Card credit score requirement. You can check your credit score for free on WalletHub.

Upvotes

Does the Aspire Credit Card do a hard pull?

Sydney Garth, Credit Cards Moderator

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.

Upvotes

How do I increase my Aspire Credit Card credit limit?

Evelyn Boros, Credit Cards Moderator

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...

Upvotes

Is the Aspire Card a Visa or Mastercard?

Chip Lupo, Credit Card Writer

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

There are a few differences between Visa and Mastercard credit cards, such as the network-level benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including extensive worldwide acceptance. As a result, it's...

Upvotes

Is the Aspire Credit Card a good card?

Evelyn Boros, Credit Cards Moderator

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...

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