What Rewards Does The Aspire Credit Card Offer
Aspire offers a nice 3% cashback reward on some categories like gas, grocery, and other payments. It also has a 1% cashback reward on other eligible products. This makes the Aspire credit card pretty competitive when it comes to cashback rates.
These cashback rewards can be a great deal, and depending on how much you spend, these might even get you enough savings to pay for a big portion of the fees. When you combine this with the other features, it is a great way for those just starting their financial journey. If you are one of them, you really should add it to your arsenal!
Central Bank Of India Aspire Credit Card
- Personal Accident Cover of Rs. 1 lakh
- The card is based on a customer’s Cent Aspire Term Deposit and not savings accountGlobal acceptance
- Maximum Credit Limit of 100% of Term Deposit amount without considering accrued interest with Maximum limit of Rs.10 lakhs.
- 1 point on Purchase of Rs.100/- either by swiping the card or e-com transaction Redemption value will be 30 paisa per point.
- This Company is not a partner. Visit its website/branch office for more details. Trademarks, logos and other intellectual property belong to their respective owners.
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
Hmm, it looks like CENTRAL BANK OF INDIA has not approved your chosen property. Getting your property approved byCENTRAL BANK OF INDIA could take a lot more time and effort.
Instead, why not choose a lender that has already approved your property?
Upgrade Visa Card Vs Aspire Credit Card
The Upgrade Visa® Card is a hybrid credit card/personal loan. It can act as either, depending on what your needs are.
There are no annual, activation, maintenance, late, or foreign transaction fees. The 1.5% cash back on card purchases every time you make a payment is just a plus.
Most applicants qualify with just an average credit score, but this opportunity is not available in all states.
If you do qualify and live in an area where it is available, you can be granted anywhere from $500 to $20,000 for a borrowing amount with an APR ranging from 8.99-29.99%. There is no security deposit needed and absolutely no prepayment penalties.
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How To Make A Payment On An Existing Aspire Credit Card
Missing a payment or making a late payment that gets reported to the credit bureaus are two of the biggest things that damage your credit, according to myFICO, the main credit scoring company.
You can keep a good payment history on your Aspire credit card by setting up online payments to make sure you never miss one. You can also mail in payments or make them over the phone.
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Understanding how to submit your Aspire card payments will help you avoid late fees, interest penalties and damage to your credit history and score.
Aspire Credit Card Review: Fix Or Build Your Credit History
As time passes, finances become more complicated and options for credit cards become much more varied. This often happens in an environment that moves as fast and is rich in competition as the credit card industry.
While available options evolve, it is possible you might miss out on a deal that is good for you. Scratch that, actually it is almost guaranteed you wont always be able to catch the best offers.
This is why here in Turbowallet, we look to provide you with comprehensive reviews for cards you should check out. We believe you should be aware of options like the Aspire credit card. As such, we have come up with this Aspire credit card review to ensure you know all about it.
Who knows? You might find that this credit card is the right fit for you.
This is because the strategy Aspire planned out with this product sets it apart from other cards.
We are sure that if this card is a good fit for you, it can be much more useful than some of the biggest players in the credit card game. Keep on reading and find out what are some of this cards biggest pros and cons. Lets get started!
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Requesting An Aspire Credit Limit Increase
Unfortunately, the Aspire Credit Card will not accept any credit increase requests. Its stated within the cardholder agreement:
If approved for an Account, your initial Credit Limit will appear on your Card carrier. Your current Credit Limit can be found on your Statement or provided upon request. We do not accept Credit Limit increase requests.
That said, they do reserve the right to increase or decrease your credit limit so there are opportunities for it to change after it has been set. You cant ask them to increase it but they could do so on their own.
How Do We Secure Information Transmissions
When you send personal credit account information through our website, secure server software which we have licensed from Secure Socket Layer or Secure Electronic Transaction encrypts all information you input before it is sent. The information is scrambled en route and decoded once it reaches its destination. Other email that you may send to us may not be secure unless we advise you that security measures will be in place prior to your transmitting the information. For that reason, we ask that you do not send us confidential information such as social security or account numbers through an unsecured email.
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Other Protections And Travel Benefits
Finally, there are ancillary protections and travel benefits that come with the Hilton Honors American Express Aspire Card worth considering:
- No foreign transaction fees.
- Car rental loss and damage insurance.
- Baggage insurance plan.
- 24/7 Premium Global Access Hotline and Concierge.
- Return and fraud protection.
- American Express Experiences.
Depending on how you take advantage of these perks, you could be saving lots of money from these protections alone.
Aspire Credit Card Benefits
Many of the Aspire Credit Cards benefits are similar to that of other unsecured credit cards designed for folks with bad credit. Its unclear how high of a credit limit you get but their agreement does state that they will not accept , so what you get is what you get.
One benefit they tout is a free credit score. While nice, the credit score they offer is a VantageScore 3.0 which is the same score that many other services offer for free. There are at least half a dozen different companies that offer a free credit score so this benefit is not terribly impressive.
The one highlight is in the type of product its an unsecured credit card so you dont have to leave a hefty security deposit. Many secured credit cards operate like unsecured cards in that you leave a deposit but never touch it. Your limit is your deposit amount and so the balance is secured by the deposit. With the Aspire Credit Card, you dont have to leave a deposit.
Another point in favor of the card is that there are no application fees.
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What Annual Percentage Rates Does The Aspire Credit Card Charge
The APR of the Aspire credit card is 29.99%. While rather high in comparison to other cards, it is understandable given the type of service the company offers.
It is best to always pay your statements in full and avoid incurring these fees. This is ideal in order to grow your credit score with time. Better scores improve your credit card options and, in many cases, help cut the fees charged by card issuers. After all, that is what this card is all about!
Fnb Rewards For Smart Account
As a Smart Account customer, you can get FREE airtime* every month if you bank smart! Qualifying to get FREE airtime* is easy, all you need to do every month is:
- Have an active Smart Account that is in good standing
- Deposit at least R1 000 into your Smart Account and spend R300 or more using your Smart Account Card
Every month you can:
- Earn R5.00 airtime for every R100 you spend using your FNB bank Card at Shoprite & Checkers
- Earn R5.00 airtime for every R100 airtime you buy using eChannels and Mobile Channels
- Earn R5.00 airtime for doing your banking using e-channels and mobile channels
Terms, conditions and rules apply.
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Aspire Credit Card Features And Benefits
The Aspire® Credit Card has numerous features and benefits for its customers to indulge in. The 1-3% cashback feature is a draw-in, and the free application makes going out for this credit card a no-brainer.
Additional features and benefits include a 25-day grace period for borrowers each month. You can see if youre pre-qualified with absolutely no impact on your credit score.
And, your Aspire® Credit Card can be linked to your Apple Pay®, Google Pay, or Samsung Pay®.
Whats more is that there are no max over-limit fees, no max penalty APR fees, and no more than a $40 max late fee.
Book A Hilton Resorts Stay
Once you have your Hilton Aspire in hand, you have one year to enjoy a $250 statement credit for purchases made directly with participating Hilton Resorts. This renews each anniversary year, but it doesnt roll over from one year to the next.
Even room rates are included in this credit, as are onsite food and beverages and incidentals charged directly to your room. You can visit Hilton.com/Resorts for a full list of participating properties, or check out our guide to 5 Ways to Use the Amex Hilton Aspires $250 Resort Credit for some of our top suggestions. Id personally recommend putting the $250 toward an extended stay at the resort where youre cashing in your free weekend night, making it easy to keep track of where youre using each perk. Enrollment required for select benefits.
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Is The Aspire Credit Card Worth It
This blog has partnered with CardRatings for our coverage of credit card products. This site and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed or approved by any of these entities.
As an Amazon Associate, I earn from qualifying purchases. More information
The Aspire Credit Card is one of two Aspire credit cards offered by The Bank of Missouri in St. Robert, MO.
The Aspire Credit Card is an unsecured credit card meant for people with bad credit. Its not a card anyone can simply apply for, you have to have an invitation .
If you received an invitation, you might be wondering if this card is worth it, well explain:
How To Cancel An Aspire Card
- : Call customer service at and enter your Social Security Number to verify your identity. Then, follow the prompts to speak to a customer service representative, and let them know you want to cancel. The representative may offer you a retention bonus to keep you on as a customer, but you can simply decline the offer and proceed with canceling the account.
- Online: Log in to the Aspire website or the mobile app . Click on Status. Then, click on Close Account and, finally, Submit.
- : Send your written request to cancel the card to:Account ServicesP.O. Box 105555Atlanta, GA 30348-5555
It’s important to know that when you cancel an Aspire Card, you may see a decrease in your credit score, depending on the card’s credit limit and how long you’ve had the card. You can get an idea of how much a canceled credit card will affect your credit score by using WalletHub’s free credit score simulator.
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What About Other Websites Linked To The Wwwaspirecom Website
We are not responsible for the information practices employed by websites linked to or from our website. Often links to non-Aspire sites are provided solely as pointers to information on topics that may be of interest to the users of our website.
Please remember that when you use a link to go from our website to another website, the Website Privacy and Security Policy is no longer in effect. Your browsing and interaction on any other website, including websites which have a link on our website, are subject to such other websites rules and policies. Please read over their rules and policies before proceeding.
Manage Your Account & Pay Your Bill
You can usually pay your bill online on your
The Aspire Platinum Rewards Mastercard is a low-interest balance transfer card that comes with a 0% intro balance transfer APR for 6 billing cycles. After that your rate will be 10.90%18.00% Variable.
You can earn 5,000 points after spending $2,000 in the first 3 months of account opening. Youll get 1X point per dollar for all of your card purchases.
This card has no annual fee.
If youre not a member of Aspire Federal Credit Union, you must apply for membership before you can apply for this card.
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Aspire Credit Card Vs Opensky Secured Credit Card
Compared to the Aspire® Credit Card, the OpenSky® Secured Credit Card requires no credit check.
In fact, this secured credit card goes as far as it lets you set your own credit limit, anywhere from $200 to $3,000.
With the OpenSky® Secured Credit Card, youll be able to build credit for the future so that one day you can open a traditional credit card.
Unfortunately, a few setbacks come with this specific card, including a $35 annual fee, 17.39% variable APR, and no rewards program.
But, if you close your account in good standing and pay it down in full, youll get your initial deposit back within 10 weeks of closing.
What Other Charges Does The Aspire Credit Card Have
The Aspire Credit Card is not designed for going on vacations. That shows in foreign transaction fees which are slightly higher than the average 3% of operations. Still, if you need it abroad, you can be confident it will work, as it is part of the MasterCard network. This guarantees you can use it practically anywhere around the world.
If you fail to pay the minimum amount, you will be charged a late fee, which is a standard practice among credit card companies. These late fees can reach up to $40 in Aspire Credit Cards.
If you use this card for cash advances, you will have to pay the corresponding fees. These fees are usually quite high, and APRs for these operations also surpass regular APRs. In the case of Aspire Credit Card, cash advance fees will be either $5 or 5%, whichever is greater.
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Enroll For Free Airport Lounge Access
If you dont already have Priority Pass Select membership via another credit card, login to your American Express account online, head to Benefits and click the Enroll Now button for Priority Pass Select.
Youll then be able to create an account via an app and have access to your digital membership card. This entitles you to airport lounge access at over 1,200 facilities around the globe, though you wont be able to access most Priority Pass non-lounge spots such as restaurants after August 1, 2019.
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Who Can Open An Aspire Account
Any business can open an Aspire account if it is incorporated in Singapore. Restrictions do apply for some business types.
If you still dont have a company there, Aspire offers the option to incorporate through them. The incorporation packages start from S$299 for local directors and S$2840 for foreign directors.
What Is So Special About Aspire
Aspires main principle is to make business financing quick and simple.
So rather than stacks of paperwork, SME owners simply fill out online forms and get a response the same day. Most of the application and review processes are automated using their in-house assessment engine before a human makes the final decision on whether to accept the application or not.
Aspire wants to complete the application process in a record time giving SMEs a quick decision without too much paperwork.
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