Everyone has a story. Aspire® helps you on your way toward reaching your financial goals. Take the next step in your financial journey with Aspire®. The Aspire Credit Card comes with features like transaction alerts, free credit score, mobile wallet and 24/7 access to your account through online/mobile tools.
Aspire Reviews
5
21%
4
10%
3
9%
2
5%
1
55%
2.4
252 reviews
252 reviews
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Aspire
Jacob @jigsaw_me_78
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5 Star Rating
Verified Customer
Great credit building account, zero annual fee, 1500 credit line, payments post instantly by debit pay, zero issues just about a yr now and its been a pleasant experience. Thx Aspire!
I've only had this card for around 5-6 months and have made every single payment on time. I just saw on my credit report that my account with Aspire has been CLOSED BY CREDITOR! What?! I had no idea. Never received an email, letter, nothing telling me my account was in jeopardy of or had been CLOSED. No idea what happened, but I will find out because this is ridiculous and unfair.
Poor all the way around. Bills being received after the due date, the automated system telling you 1 amount due for minimul payment which is not accurate when rep says there's a different amount minimul amount due this issue has caused late fees. Asking for my account to be closed got me no where because it's been 3 months and still hasn't been closed. Very Poor customer service they never seem to know what you are talking about when only asking about billing and payment amount being due. This seems very fraudulent. Would not recommend this company to anyone. My next stop on reporting this company is to the BBB and the FTC.
I received my card with a $1000 credit line however I used it a few times and should have credit available however it will not allow me to go over $600 . It was clearly stated I had a $1,000 credit line in the agreement
Stay away from Aspire! Only waive a late fee ONCE per year. They play games like making you late paying after 5pm EST when that's only 2pm PST. Reps are rude and all say the same thing. I intentionally let it go to collections because they don't deserve a dime of anyones money. Merrick is way better and Credit One waives my late fee EVERY SINGLE TIME and the reps are really nice. Death to Aspire. I will dance on their grave when they are finally snuffed out of business. Monsters!
I've seen a bunch of negative reviews about this card. Yes this card is for poor credit and the fees are high. Looking to rebuild your credit, that's what this card is for. I was approved for $1000 and received my card in about 7 business days. Have used the card multiple times and never had a problem. Always paid my balance and on time payments. Received my first credit increase in 4 months. Never had a problem with payments posting. If you need to rebuild credit and are ok with the initial fees, this card is for you. Use it responsible and ALWAYS pay your bill on time and you will never have a problem. Thanks Aspire!!
Aspire is the poorest excuse for a credit card company I have ever seen! If they would let me write this review without giving them a star I would give them negative stars. They have very poor customer service and their security policies are outrageous. I've gotten the impression that most of the representatives I've ever dealt with were poorly trained, or it was their first day on the job, or any number of lame excuses you might conjure up. I've always had to ask to please talk to someone else and the last time that someone else who should have had some knowledge or at least common sense was even worse. Don't apply or accept an Aspire carder any reason! I'm just trying to pay mine off right now so I can be done with them!
They are a horrible company to do business with. I had removed a payment account last month, but they went ahead and submitted an auto payment nonetheless. They charged my account cc account a return fee, since the account had been closed, and refuse to credit my cc account back for the fee. I spoke to two reps by phone yesterday, who assured me that there was no one who could reverse the fee. Seriously! Today I had to go through the chat to make certain that their autopay was off and, to ask again how a payment could be submitted to an account that was removed from my payment options! The rep would not answer this very simple question, and then abruptly ended the session! Great custom service Aspire. I will file a complaint with the Consumer Financial Protection Bureau (CFPB) and see what happens. If you are a customer make certain that you have your account set up correctly, or they will attempt to take advantage of you. I will pay off the current balance and then the card will be put away in a drawer. I will not use it again!
To log in to your Aspire® Cash Back Reward Card account, go to the login page on the Aspire website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign In” to access your online account. If you don't already have an account, you will need to start by clicking “Not Enrolled? Sign Up Now” in order to set up a username and password.
How to Log in to a Aspire Card Account
Register your Aspire Card for online account access. Click “Not Enrolled? Sign Up Now” and enter your last name, date of birth, and the last four digits of your Social Security number to verify your card account.
Choose your Aspire Card username and password. To create a strong password, use a combination of upper and lower case letters, numbers, and special characters.
Log in with your new Aspire Card credentials. From the login page on the Aspire website or mobile app, fill out the User Name and Password fields using your new credentials, and click “Sign In” to access your account.
After you have signed up and logged in, you'll be able to manage your Aspire Card account online. You can pay your credit card bill, see card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “Forgot Password or User Name” on the Aspire login page. Then, just follow the prompts to reset or retrieve your username or password.
Yes, the Aspire Card does have pre-approval. Aspire actually requires applicants to check for pre-approval before they can apply, so you will have a good idea of your approval odds if you choose to apply. Getting pre-approved for an Aspire Card means that your chances of being approved for an account are very high if you apply, but it does not mean that approval is guaranteed.
Aspire Card pre-approvals do not affect your credit score, as they're done using a soft “pull,” or inquiry. But if you decide to submit an application for the Aspire Card, Aspire will conduct a hard inquiry, which will lead to a slight but temporary decrease in your credit score.
The Aspire Card annual fee is $49 - $175 for the first year and $0 - $49 after that. The Aspire Card also charges cardholders monthly fees, starting with the second year an account is open.
Aspire Card Fees
Annual Fee: $49-$175 1st yr, $0-$49 after
Cash Advance Fee: 5% (min $5)
Foreign Transaction Fee: 3%
Max Late Fee: $41
Monthly Fee: $0 1st yr, $5-$12.50 after
For context, the average annual fee among new credit card offers from all issuers is currently $21.65. Plus, most credit cards do not charge monthly fees.
