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- Regular Purchase APR 36% Fixed
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $85-$175 first year, $229 thereafter
- Credit Needed Fair
- Card Brand Mastercard®
- Regular Purchase APR 36% Fixed
- Intro Purchase APR N/A
- Intro BT APR N/A
- Annual Fee $85-$175 first year, $229 thereafter
- Credit Needed Fair
- Card Brand Mastercard®
Highlights
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- 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†
*See Program Terms for important information about the cash back rewards program.
** 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.
Card Fees
Foreign Transaction Fee
3% of each transaction amount in U.S. dollars
Balance Transfer Fee
3% of the amount of each transfer
Penalty APR
N/A
Ongoing Information
Rewards Rate
3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
Annual Fee
$85-$175 first year, $229 thereafter
Expert Reviews
From the CompareCards.com Editorial Team, updated on Mar 27, 2025
We don't have a review for this card yet, but sit tight! There's one coming soon.
Expert Reviews of Aspire® Cash Back Rewards Mastercard
The Bottom Line
The Aspire® Cash Back Rewards Mastercard offers serious value with its cash back rewards rate, a rare find for cards aimed at the fair credit level.
The Good
The Aspire® Cash Back Rewards Mastercard stands out for offering competitive cash back on all purchases, which we think is a pretty valuable asset for a card geared toward folks with fair credit.
The Not so Good
Despite its rewards, the Aspire® Cash Back Rewards Mastercard comes with a considerable annual fee and a high APR.
Editorial Note: This content is not provided by Aspire Card. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Aspire Card.
Consumer Reviews
OFFER RATING
/5.0
Related Card Offers
Our pick for best unlimited travel rewards card
- Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- Rewards Rate 1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
- Sign-Up Bonus 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
- Flexible Redemption Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- Rewards Rate 1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Visa®
Highlights
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
- Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
- If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means instead of earning an unlimited 1.5 points for every $1, you could earn 1.87-2.62 points for every $1 you spend on purchases. You could earn 3.75-5.25 points for every $1 you spend on travel purchases made through the Bank of America Travel Center.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
See additional details for Bank of America® Travel Rewards credit card
Our pick for rewards that never expire
- Intro APR 0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 18.24% - 27.24% Variable APR
- Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
- Ongoing APR 18.24% - 27.24% Variable APR
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Discover
- Intro APR 0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 18.24% - 27.24% Variable APR
- Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
- Ongoing APR 18.24% - 27.24% Variable APR
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 27.24% Standard Variable APR applies, based on credit worthiness.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- No annual fee.
- Terms and conditions apply.
See additional details for Discover it® Chrome
Our pick for 1:1 cash back match in your first year
- 0% Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR
- Rewards Rate 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
- Welcome Offer Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Discover
- 0% Intro APR 0% Intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR
- Rewards Rate 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
- Welcome Offer Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Annual Fee $0
- Credit Needed Good / Excellent
- Card Brand Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds. No annual fee.
- Start shopping and earning rewards in minutes with our digital card, before your physical card arrives in the mail, if eligible.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 27.24% Standard Variable Purchase APR applies, based on credit worthiness.
- Terms and conditions apply.
See additional details for Discover it® Cash Back
