Aspire Cash Back Reward Card Offers Up to 3% Cash Back and Credit Building

The Aspire Cash Back Reward Card is a great option for those looking to earn cash back and build credit. It offers up to 3% cash back on purchases.

You can earn 2% cash back on gas and grocery purchases, and 1% cash back on all other purchases. This is a great way to save money on everyday expenses.

The card also reports to all three major credit bureaus, which means you can build credit while earning cash back. This is especially helpful for those who are new to credit or looking to rebuild their credit score.

By using the Aspire Cash Back Reward Card responsibly, you can earn cash back and improve your credit score over time.

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The Aspire Cash Back Rewards Card offers a range of benefits and features that make it an attractive option for those looking to earn cash back on their purchases.

You can earn 3% cash back on gas, groceries, and utilities, and 1% on all other eligible purchases, with no limits on the total number of rewards earned in the 3% bonus category.

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The card has a generous starting credit limit, which begins at $350 and can rise as high as $1,000, with the possibility of future increases with on-time payments and responsible credit use.

Here are the key features of the Aspire Cash Back Rewards Card:

The card also offers free access to your VantageScore 4.0 score from TransUnion, which will be available in your online account starting 60 days after your account is opened.

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The Aspire Cashback Rewards Credit Card is designed to benefit a wide range of individuals. Whether you're a frequent traveler, a shopaholic, or someone who simply wants to earn cashback on everyday purchases, this credit card has something to offer.

You can earn cashback on everyday purchases, making it a great option for those who want to save money on their daily expenses. Many people use their credit cards for daily purchases, and with the Aspire Cashback Rewards Credit Card, you can earn rewards on those purchases.

The card is designed to benefit individuals who want to earn cashback, making it a great choice for those who value rewards programs.

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The Aspire Cash Back Rewards Card has several key features that set it apart from other credit cards. The card earns 3% cash back on gas, groceries, and utility bills, with no limits on the total number of rewards earned in these categories.

You can earn up to $1,000 credit limit, subject to credit approval, and enjoy free access to your VantageScore 4.0 score from TransUnion. This score is available in your online account 60 days after your account is opened.

The card has a generous rewards program, with 3% cash back on select purchases and 1% cash back on all other eligible purchases. Rewards are automatically applied to your account and used as statement credits.

Here are the key features of the Aspire Card at a glance:

The card also has a 3% bonus category cash back rewards program, with no limits on the total number of rewards earned in these categories. Rewards are redeemed annually by statement credit.

The Aspire card has a high annual fee and monthly fee, which may not be ideal for those who prefer a more straightforward payment structure.

You'll also find that the autopay option is limited, allowing you to pay either the minimum payment or the full balance, with no in-between choices.

One more thing to consider: the cash back rewards are only given once a year, in the form of an annual statement credit.

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The Aspire Cash Back Reward Card has a generous rewards program that allows cardholders to earn points on every purchase. This is a great feature, especially for those who are struggling to find robust rewards programs.

You can earn cash back rewards by making eligible purchases, which are goods and services and bill payments minus returns and other credits. Rewards will be earned when the transaction posts to your account.

Here are the details on how to earn and redeem cash back rewards:

The Aspire Card also offers a 3% Bonus Category Cash Back Rewards Program, which earns 3% cash back on gasoline, grocery, and utility bills, and 1% cash back on regular purchases.

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The Aspire Card offers a generous starting credit limit, which begins at $350 and can rise as high as $1,000. This is a great starting point for those looking to rebuild their credit or establish a new credit history.

However, it's worth noting that the annual fee of $85 is charged upfront, which can temporarily lower your available credit limit to as low as $265. This is a common practice among bad credit score cards.

With responsible credit use and on-time payments, you may qualify for a higher credit limit through periodic account reviews conducted by Aspire. This is a positive sign that the card issuer is willing to work with you to improve your credit situation.

In any case, the Aspire Card's generous starting credit limit provides a solid foundation for building a stronger credit profile over time.

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Earning cash back rewards is a great way to get something back from your purchases, and the Aspire Card's 1% cash back rewards program is a great option for those who want a simple and straightforward way to earn rewards.

You'll earn 1% cash back rewards on all eligible purchases, which are purchases for goods and services and bill payments minus returns and other credits.

Rewards will be earned when the transaction posts to your account and will remain as long as the purchases and payments are not returned or credited.

Purchases do NOT include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents.

Rewards are not earned for pending transactions, so you won't earn rewards for transactions that haven't been processed yet.

All cash back rewards will automatically be redeemed in the form of an annual statement credit against your purchase balance in the anniversary month of your account opening as long as your account is in good standing.

A statement credit lowers your account balance but cannot be used toward your minimum payment due or your monthly payment.

An account will be deemed in good standing if it is not suspended, restricted, delinquent or otherwise in default.

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The Aspire Cashback Rewards Credit Card comes with a high annual fee, which may not be worth it if you don't use the card frequently or don't earn enough cashback rewards to offset the fee.

The annual fee ranges from $49 to $175 depending on your creditworthiness, with a lower annual fee of $0 to $49 after the initial period.

You'll also pay an account maintenance fee, which can range from $60 to $180, paid in full the first year and then on a monthly cadence after that.

A late fee may apply for a missed payment, as with most credit cards.

Adding an authorized user to your account will cost $19.

You'll be charged $2 for each month you receive a paper billing statement.

Here's a breakdown of the potential costs:

In the first year, you could pay up to $355 in fees, which is money you could potentially get back if you put it toward a security deposit on a credit card elsewhere.

The Aspire Cash Back Reward Card application process is straightforward, with pre-qualification available to help you determine if you're eligible for the card.

To manage your account, you can use the online account management system, which provides a range of useful features, including checking your account balance, receiving a list of transaction details, making payments, and setting up account alerts.

With the online account management system, you can also lock a stolen or lost card, giving you added security and peace of mind.

You can access all of these features at your fingertips, making it easy to stay on top of your account details.

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The Aspire Cash Back Reward Card offers a pre-qualification feature that lets you know if you'll be approved for a credit limit of up to $1,000 before you apply.

To pre-qualify, you can use the online pre-qualification tool, which doesn't require a credit check.

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Keep in mind that pre-qualification is different from receiving a card offer, and a hard inquiry will be made on your credit report if you accept an offer.

The Aspire Card has a 3% cash back rewards program for certain categories that many cardholders will find useful.

If you decide to apply, be aware that the fees associated with the card are a drawback, but they're common with similar credit cards.

The annual fee for the Aspire Card is in line with other cards of the same category, which may make it a more appealing option for those looking to establish a positive credit history.

With the Aspire Cash Back Reward Card online account management system, you can check your account balance at any time.

You'll also receive a list of transaction details, so you can keep track of every purchase and payment.

To make payments, simply log in to your account and follow the prompts.

You can also set up account alerts to notify you of any important account activity.

If you've lost your card, you can lock it online to prevent unauthorized use.

Here are the online account management features you can expect with the Aspire Cash Back Reward Card:

The Aspire cash back reward card has received some great reviews from experts and consumers alike. According to BestCards, it rates a 4 out of 5.

But what do other organizations think? The Better Business Bureau gives it a lower rating, a 2 out of 5. On the other hand, TrustPilot users love it, with a 4.5 out of 5 rating.

Here's a quick rundown of the ratings from these organizations:

The Aspire Cash Back Rewards Card is a great option for those taking their first steps in building credit. It's unsecured, which means you don't need to put up any collateral, and it's designed for beginners.

This card has a credit limit of $350, which is a decent starting point. You can also pre-qualify for the card, which means you can get an idea of whether you'll be approved without affecting your credit score.

If you're approved, you'll have to pay an annual fee of $49 to $175 the first year, and up to $49 thereafter. Not bad, considering the benefits you'll get.

Here's a comparison of the Aspire Cash Back Rewards Card with other cards:

The Aspire Cash Back Rewards Card is one of the best offers for individuals taking the first step of their financial journey, offering rewards of 3% back on gas, groceries, and utilities, and 1% back on all other eligible purchases.

Let's take a look at how these credit cards compare to each other. The Fortiva Mastercard and Surge Platinum Mastercard both cater to individuals with bad or fair credit, just like the Aspire Cashback Rewards Credit Card.

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The initial credit limit for these cards is relatively low, ranging from $300 to $350.

Here's a breakdown of the cards' initial credit limits:

The annual fees for these cards vary, with some cards charging a flat fee and others charging a fee that can increase over time.

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The Aspire Cash Back Rewards Card is a great option for those taking their first steps in managing their finances. It's unsecured, making it more accessible to individuals with limited or no credit history.

This card is specifically designed for beginners, which means it's a perfect fit for those who are new to credit or rebuilding their credit. It's full of high-level features that give users the financial freedom and confidence they're seeking.