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About Our Ratings

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Advertiser Disclosure

We maintain paid partnerships with certain credit card issuers and lending institutions, which means we may receive compensation when you apply for or are approved for financial products through links on our site. While these relationships may influence how products are ranked or featured, we are committed to providing accurate, honest, and helpful information to assist your financial decision-making. Please note that our listings may not cover every available product or offer from all financial institutions.

Aspire® Cash Back Rewards Mastercard

Credit Card Details

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Aspire® Cash Back Rewards Mastercard

Up to $1,000 credit limit subject to credit approval

  • Card Brand

    MasterCard

  • Credit Recommended

    Fair

  • Regular Purchase APR

    36% Fixed

  • Annual Fee

    $85-$175 first year, $229 thereafter

  • Rewards

    Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.

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.

Additional Info

  • Credit Line: Up to $1,000 credit limit subject to credit approval
  • Rewards Rate: Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
  • Regular APR: 36% Fixed
  • Annual Fee: $85-$175 first year, $229 thereafter
  • Credit Recommended: Fair
  • Card Brand: Mastercard
  • Foreign Trans Fee: 3% of each transaction amount in U.S. dollars
  • Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  • Balance Transfer Fee: 3% of the amount of each transfer

Specifications

Rewards Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 36% Fixed
Annual Fee $85-$175 first year, $229 thereafter
Credit Recommended Fair
Cash Advance APR See Issuer Website
Cash Advance Fee Either $5 or 5% of the amount of each cash advance, whichever is greater
Cash Grace Period See Issuer Website
Late Payment Fee See Issuer Website
Return Check Fee See Issuer Website
Foreign Trans Fee 3% of each transaction amount in U.S. dollars
Balance Transfer Fee 3% of the amount of each transfer

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