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
27%
4
11%
3
8%
2
6%
1
49%
2.6
533 reviews
533 reviews
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Aspire
Bonnie Jasso @bonniebrown998
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1 Star Rating
I closed my account because of all the fees; my balance was $118. I called Aspire to see if they would settle, and they said yes. They told me all I had to pay was $49. I paid the $49 over the phone to close out my account. Now, I am receiving statements with a balance over $200, including all the late fees. I called them, and nothing was noted; they are trying to collect the money, which I refuse to pay.
Literally made payments every month, and paid off or close to it every time. I missed one payment, which I am not sure is accurate as I kept it paid off. That's when I found out they had closed it and never told me. I would not recommend this card to anyone.
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Aspire
kmlande @kmlande
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1 Star Rating
Aspire is terrible, I’d advise anyone to stay away! While I’ll admit some of it is my fault but the bulk is they’re a really crappy company to work with. I knew the interest rate was high but when you’re trying to rebuild your credit you take what you can get. What I didn’t realize was how many other ways they would screw you. After a year they add a $15 monthly fee to have the account which to me you’d think you’d reward customers who stay around? My biggest issues were that if you make a payment too early it doesn’t count and then they ding you a $41 late fee. So if my due date was the 6th and I paid that then I made my next payment on the 30th thinking that would be the following months, nope they charged me late fees every time I did that because it wasn’t in the right month. Despite making 2 payments and they were above the minimum as well. This happened to me several months before I realized and caught on. They refused to refund any late fees despite $100 payment on the 4th, another $100 on the 30th. I did this many times thinking I was getting ahead and doing early payments but instead I was penalized and charged late fees AND given account past due and missed payments status on my credit report!
The other thing that got me towards the end was how high their minimum payments become, which I didn’t realize going in. Many cards you can rack up $2,500-$3,000 and your minimum payment stays around $50-$100, not aspire. My minimum payments jumped to $300-$400! I continued to make my $100-$200 payments as that’s what I could afford, guess what? I was still given $40 late fees and reported as missed payments on my credit report despite this. This was over the holidays when money is already tight but I paid $50 on Dec 4, another $100 on Dec 16, but I was getting harassing phone calls the entire month about missed payments because I didn’t pay their wanted $400 minimum on a card that had $3,000. I ignored the calls because I was frustrated and I couldn’t pay more right then. Guess what? They closed my account and reported more derogatory on my credit report!!! I was making payments every month, sometimes multiples but all they did was screw me every way they could by adding late fees and reporting me as if I wasn’t paying anything because I couldn’t pay more than $200 a month. So be advised do not use this company unless you plan to pay off in full every month or can afford $400 minimum payments on a few grand. Look elsewhere like credit one, capital one, Merrick bank etc., all of who have never done the things aspire does! Those companies count a second payment in one month as the next payment, the minimum payment is always under $50-$100 so when I pay more I’m making a big dent instead of getting additional fees and charges like aspire. Go elsewhere to rebuild your credit because they’re not the way and after a year they’ve hurt my credit not helped. If I could afford $400 payments I wouldn’t need the card to begin with!
It sounds like you’re carrying a balance, and there seems to be some confusion about how payments are applied. Paying the minimum and then making an additional payment in the same month only reduces the balance—it does not satisfy a future minimum due. In all sincerity, a financial literacy course would be helpful. Without a solid grasp of how credit functions, this pattern can easily lead to larger financial issues.
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karyncriddle_kc @karyncriddle_kc
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1 Star Rating
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.
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Aspire
Cara @caralish3
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1 Star Rating
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.
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Natasha Thomas-Harp @natasha_thomasharp
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1 Star Rating
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.
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.
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Aspire
Lyleses07 @Lyleses07
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1 Star Rating
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.
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.
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Aspire
sandra Belger @dellbabygirl68
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1 Star Rating
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.
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Aspire
Jay Appleby @jasonqappleby
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1 Star Rating
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.
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flannery_sean_d @flannery_sean_d
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1 Star Rating
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.
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.
This company is the worst for obtaining a credit card. They closed my account without notifying me—I missed one payment but caught up with my payments. Keep in mind, my limit was $500, I gave them $300, and then saw my available balance was $0. When I called, they said because I missed one payment, they closed the account. Do your research before going with this company. For instance, I made a payment of $143 on May 4th and then on May 12th, I gave them $200, only for them to say they had closed the account on the 4th and sent the notice out that same day, so I should receive it within 7 days. This was after lying about already sending a letter to me, which I never received because I have paperless billing. When I called them out on it, they admitted they closed the account on the 4th when I paid them $143. There was no call, no letter, no warning—just closed after one missed payment, and yet still accepting my money. Be careful with this credit card company.
I had customer care inform me that I was due for a $75 raise on my card. I've already seen bad reviews on this card; I have noticed a few times the amount increased, but I think it's very poor judgment for a customer representative to tell anyone to apply for an increase if they see they're over the limit or close to the limit. You've got my attention; let the games begin.
Get answers to your questions about Aspire below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. Ad Disclosure
You can log in to your Aspire® Cash Back Rewards Mastercard account by going to the login page on the Aspire website or mobile app and entering your username and password in the appropriate fields. Then, click the “Sign In” to access your online account.
How to Register for Online Access on your Aspire Card Account
Register your Aspire Card for online account access. Click “Sign Up Now” and enter your last name, date of birth, and the last four digits of your Social Security number to verify your credit 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 its mobile app for iOS or Android, 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 credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
In case you forget your login information, you can click “Forgot Password or User Name” on the Aspire login page and follow the prompts to reset or retrieve your username or password.
You can make an [url https://wallethub.com/d/aspire-credit-card-2343c]Aspire Cash Back Reward Card[/url] payment online, by phone, through the Aspire mobile app or by mail. To pay an Aspire Card bill online, log in to your online account and click on "Make Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Aspire does allow cardholders to set up automatic payments, too.
The Aspire Card annual fee is $85 - $175 for the first year and $49 after that. The Aspire Card card also charges monthly fees, starting the second year your account is open.
For context, the average annual fee among new credit card offers from all issuers is currently $27.85, and most credit cards do not charge monthly or one-time fees.
Yes, you can pay your Aspire® Cash Back Rewards Mastercard bill by phone. To make your Aspire Card payment over the phone, call 1-855-802-5572 and follow the instructions from the automated menu, then enter your payment information. The process should only take a few minutes.
To talk to Aspire Card customer service, call 1-855-802-5572 and then enter your Social Security number and follow the automated prompts. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Aspire Card Customer Service by Phone
Call the Aspire Card customer service department. You can even use the number on the back of your card.
The Aspire Card's starting credit limit is $350. This limit is guaranteed for everyone approved for the card. Your initial credit limit might be more, though, depending on your creditworthiness.
Unfortunately, there's no way to request a credit limit increase. But the issuer will periodically review your account to see if you're eligible for a higher credit limit.
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 [url https://wallethub.com/free-credit-score]check your credit score for free[/url] 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,...
The minimum requirements for the Aspire Card include being at least 18 years old, having a bad credit score of at least 500, and earning enough income to afford monthly bill payments. You also need to have a Social Security number .
To get an Aspire Card PIN, call the number on the back of your Aspire Card and ask customer service for a PIN. You can also get a Aspire Card PIN by logging in to your account online and requesting a PIN through the Aspire website.
Best Way to Get an Aspire Card PIN
Call Aspire customer service at (855) 802-5572 or call the number on the back of your Aspire Card.
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