Laura is a personal finance expert who primarily focuses on credit, credit cards, loans, and other consumer-facing topics. Her insights have been featured in U.S. News & World Report, Fortune, Yahoo Finance, The New York Post, USA Today, and many other financial publications. She also earned her MBA and a Bachelor's Degree in Psychology during her previous career in human resources.
Editor: Jon McDonald
Jon McDonald
With more than 15 years of journalism expertise, Jon stays apprised of finance trends, influential companies, and financial literacy resources for subprime consumers. He is most knowledgeable in the areas of budgeting, loans, and responsible credit use, and his articles have appeared in publications produced by The New York Times.
Ashley has managed content strategy for BadCredit since 2015, partnering with major banks, financial institutions, and media outlets to deliver authoritative personal finance content. Her expert credit card commentary has appeared in top national publications, including CNBC, MarketWatch, Investopedia, Yahoo Finance, and Reader's Digest, establishing her as a trusted voice in the industry.
Earn Cash Back Rewards* – 3% on Eligible 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.
Our Rating
Aspire® Cash Back Rewards Mastercard
4.7/5.0
About this rating
BadCredit.org’s credit card ratings are calculated by our financial experts based on key criteria including APRs, fees, and approval odds. We also consider factors such as customer service and cardholder benefits. Our ratings are unbiased and regularly updated.
Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more info, see our ad disclosure and review policy.
Advertiser Disclosure
BadCredit.org is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free for users, we receive advertising compensation from the financial products listed on this page. Along with key review factors, this compensation may impact how and where products appear on the page (including, for example, the order in which they appear). BadCredit.org does not include listings for all financial products.
Our Editorial Review Policy
Our site is committed to publishing independent, accurate content guided by strict editorial guidelines. Before articles and reviews are published on our site, they undergo a thorough review process performed by a team of independent editors and subject-matter experts to ensure the content’s accuracy, timeliness, and impartiality. Our editorial team is separate and independent of our site’s advertisers, and the opinions they express on our site are their own. To read more about our team members and their editorial backgrounds, please visit our site’s About page.
As you can see, there's a lot to like about Aspire® Cash Back Rewards Mastercard, especially if you have a bad credit history. But as with any offer or service, be sure to read all the details on the official Aspire® Cash Back Rewards Mastercard website before committing.
Other Credit Cards Ratings
Not sure if Aspire® Cash Back Rewards Mastercard is for you? Be sure to check out our review of similar offers below. These offers were selected and rated by our team of finance experts as the best available for those with bad credit. If you decide Aspire® Cash Back Rewards Mastercard isn't for you, one of the following could be a great alternative.
2% cash back on category of choice with direct deposit***
The perks of credit building meet the best of banking****
Chime Checking Account required to apply for the Chime Visa® Credit Card
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank.
*Money added to Chime CardTM will be held in a secured deposit account as collateral for your Chime Card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
**Out-of-network ATM withdrawal and over the counter advance fees may apply.
***With a qualifying direct deposit, earn 2% cash back on category of choice on eligible secured Chime Visa® Credit Card purchases.
****On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
Our Rating
The secured Chime Visa® Credit Card
4.8/5.0
About this rating
BadCredit.org’s credit card ratings are calculated by our financial experts based on key criteria including APRs, fees, and approval odds. We also consider factors such as customer service and cardholder benefits. Our ratings are unbiased and regularly updated.
The secured Self Visa® Credit Card* requires no credit check or minimum score.
Reports to all 3 major credit bureaus to establish and build credit, with free access to your credit score.
Secure your credit line with a refundable security deposit as low as $100.**
Deposits are returned upon account closure after settling outstanding balances.
*The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
**Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
Our Rating
Secured Self Visa® Credit Card
4.7/5.0
About this rating
BadCredit.org’s credit card ratings are calculated by our financial experts based on key criteria including APRs, fees, and approval odds. We also consider factors such as customer service and cardholder benefits. Our ratings are unbiased and regularly updated.
See if you Pre-Qualify with No Impact to your Credit Score
Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Our Rating
Surge® Platinum Mastercard®
4.7/5.0
About this rating
BadCredit.org’s credit card ratings are calculated by our financial experts based on key criteria including APRs, fees, and approval odds. We also consider factors such as customer service and cardholder benefits. Our ratings are unbiased and regularly updated.
Laura is a personal finance expert who primarily focuses on credit, credit cards, loans, and other consumer-facing topics. Her insights have been featured in U.S. News & World Report, Fortune, Yahoo Finance, The New York Post, USA Today, and many other financial publications. She also earned her MBA and a Bachelor's Degree in Psychology during her previous career in human resources.
Information Warranty & Disclosure: Great efforts are made to maintain reliable data on all offers presented. However, users should check each provider’s official website for updated terms, details and conditions for each offer before applying or signing up. Our site maintains strict terms of service and may accept compensation for paid ads or sponsored placements in accordance with these terms. Users must be at least 18 years of age to be eligible for financial offers as per the terms presented on provider websites.
* FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
