Aspire

Aspire, Mastercard credit cards with no security deposit

Aspire is a brand of Mastercard credit cards issued by The Bank of Missouri. Its proposition focuses on access to credit without a security deposit, with instant credit decision and no program fee. The company markets three main products: the Aspire Mastercard, the Aspire Cash Back Rewards Mastercard, and the Aspire Protect Mastercard.

Credit products

• Aspire Mastercard: unsecured credit card for everyday expenses such as gas, groceries, and other general purchases.
• Aspire Cash Back Rewards Mastercard: earns 1% cash back on all eligible purchases. According to the published terms, rewards are credited when the transaction posts to the account and remain as long as the purchases and payments are not returned or credited. Rewards are not earned on fees, interest, balance transfers, cash advances, or purchases of cash equivalents, or on pending transactions.
• Aspire Protect Mastercard: includes benefits designed to protect the cardholder against the unexpected.

General terms and features

Aspire cards are offered with no security deposit, no program fee, and zero fraud liability, subject to Mastercard rules. The application is simple and secure, with transaction alerts and 24/7 online access from any mobile or desktop device. The company also offers the possibility to prequalify through a soft inquiry that does not affect credit history; if the user accepts an offer, a hard inquiry is made. Final approval is not guaranteed if you do not meet all applicable criteria, including adequate proof of ability to repay, and income verification through access to bank account information may be required.

Free credit score

Cardholders have access to a free VantageScore 4.0 credit score provided by TransUnion, available in the online account 60 days after opening and with prior registration. This score is for educational purposes only and may not be used by The Bank of Missouri or other creditors to make credit decisions.

Account management

The Aspire Account Center lets you manage your card online: make payments, set up alerts, lock a lost or stolen card, check balances, and view transaction details. The mobile app is available for download.

Customer service

The company offers phone support for the Aspire Mastercard Monday through Sunday, from 8:00 a.m. to 12:00 a.m. Eastern Time. It also has a contact form on its website and a telecommunications relay service for people with hearing impairments.

Issuer and licenses

Aspire Mastercard cards are issued by The Bank of Missouri under license from Mastercard International Incorporated and may be used anywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Location and contact

Account Services P.O. Box 105555 Atlanta, GA 30348-5555 · Phone: 1-855-802-5572 · Hours: Monday through Sunday, 8:00 a.m. to 12:00 a.m. Eastern Time (ET)