If you’re looking for a credit card that offers great rewards and benefits, the Aspire credit card may be a good choice for you.
Read on to discover the pros and cons of this credit card so you can decide if it’s the right one for you.
Is the Aspire Credit Card Worth it?
Overall, the Aspire credit card is a good choice for people who want to earn rewards and benefits.
The rewards program is a great way to earn points that can be redeemed for travel, cashback, or other rewards. In addition, the card offers a variety of other benefits, such as purchase protection and extended warranty coverage.
However, the annual fee is relatively high, and there is a foreign transaction fee.
How Does the Aspire Credit Card Stack up to Other Cards?
The Aspire credit card has several pros that make it a good choice for people looking for a rewards credit card. These include:
– A generous rewards program that allows you to earn points that can be redeemed for travel, cashback, or other rewards.
– A variety of other benefits, such as purchase protection and extended warranty coverage.
While the Aspire credit card does have some pros, there are also a few cons to consider before applying. These include:
– The annual fee is relatively high, at $95.
– There is a foreign transaction fee of 3%.
– The rewards program can be somewhat complicated to understand.
What Credit Rating Do You Need to Get Approved?
The Aspire credit card is a good choice for people with good or excellent credit. If you have a credit score of 700 or higher, you are likely to be approved for this credit card.
What’s the Average Credit Card Approval Limit?
The average credit card approval limit for the Aspire credit card is $10,000. This means that if you have a good or excellent credit score, you may be approved for a credit limit of up to $10,000.
Keep in mind that the final credit limit you are approved for is based on a variety of factors, including your payment history, so there’s no guarantee you get the max limit, even if you request it.
Aspire Card Details
The Aspire credit card APR ranges from 16.99% to 26.99%, depending on your credit score. This means that if you have a good or excellent credit score, you may qualify for a lower APR.
The Aspire credit card comes with a few fees that you should be aware of before applying. These include:
– A $95 annual fee
– A foreign transaction fee of 3%
– A late payment fee of up to $38
– A returned payment fee of up to $38
It’s important to be aware of these fees before you apply so you can make sure you’re comfortable with them.
Aspire Card Benefits
The Aspire credit card rewards program is a great way to earn points that can be redeemed for travel, cashback, or other rewards.
One thing to note about the rewards program is that it can be somewhat complicated to understand. If you’re not sure how it works, be sure to read the terms and conditions carefully before signing up for the card.
The Aspire credit card also comes with a few other benefits that are worth considering. These include:
– Purchase protection: This benefit protects you against damage or theft of items you purchase with your card.
– Extended warranty coverage: This benefit extends the manufacturer’s warranty on items you purchase with your card.
– Travel accident insurance: This benefit provides coverage if you’re injured or killed while traveling.
Application Process
To apply for the Aspire credit card, you can visit the Aspire website.
The application process is relatively simple and takes just a few minutes to complete. You’ll need to provide some basic information, including your name, address, and Social Security number.
You’ll also need to provide some financial information, such as your annual income and monthly housing payment.
Once you’ve submitted your application, you’ll usually receive a decision within a few minutes. If you’re approved, you’ll typically receive your new credit card within 7-10 business days.
A Recap of the Aspire Credit Card
If you’re looking for a rewards credit card with a variety of benefits, the Aspire credit card is worth considering.
However, if you’re not interested in paying an annual fee or a foreign transaction fee, you may want to look at other options.