Aspire Credit Card Reviews

Absolutely ridiculous and unforgiving company, closed my account after 2 missed payments due to falling on hard times. Does not work with you at all nor understand that life happens and payments may be missed. Very short and no explanation. Listed it being over limit as one of the reasons but it only went over limit due to their late fees!!

If I could give no stars I would. Had this card for years. Paid my bill always on time without issue. Got my daughter a card so while she traveled to another country she would have it for an emergency. The card became lost and once we figured this out I contacted Aspire right away. There were charges it was obvious we could not have made, however this card company did not care and informed me since I did not report the card gone soon enough I would be responsible for over 100.00 in charges. We realized all of this when I went into my account to see if I needed to pay my bill yet and this is when the charges were discovered.

This has got to be the worst credit card company. I paid my credit bill in total to clear up my credit. The payment was over $1400. One week later the company withdrew the same amount from my bank AFTER the account had a zero balance! Calling them is a joke. A request for a refund was placed the same day. I was told that their review process takes twenty-two (22) days and then I would hear back from them whether they would GRANT the refund of the mistake. GRANT my request for the return of the double payment that they took?? Most people would not be able to pay a credit card company $2808.86 within two weeks. It certainly put me in a bad position with my other bills for the next two months. They didn't care.

! DO NOT SIGN UP FOR THIS RIP OFF CARD! This is one of the biggest rip off's I've ever dealt with. They charge $150 a year for a $500 credit. Their app is almost as useless as their customer service. I used $90,00 and was charged $165.00 when I called to inquire as to why, they closed my account and hung up on me much like their useless app did, then sent me the $200 bill.

I fell ill and fell behind in my payment as well as all of my other bills and was finally able to make a substantial payment to get caught up, only to find out AFTER that they had closed my account. Had I know that, I would not have used that large payment on this account and only paid a bare minimum....I would have spent that large payment on another account that actually valued me as a customer. I would NOT recommend this card and steer far clear of this company!! They will screw you the first chance they get!

This company also runs the imagine card, both are scams. Customers service is bill collectors. I paid my bill on the 2nd. It got returned on the 4th. No one said anything to me. I got a late fee out of nowhere and when I called them he informed me this call was an attempt to collect a debt. By this time I was 3 days later and already they are a bill collector. Horrible card, horrible service. Both cards are a scam. Do not use!!!!

I have had the worst credit card experience of my life. Three times they sent me threatening letters saying I owed payments. I paid every month. I had ONE person who finally listened and helped. One rep said I had to pay on the exact day it’s due. I just got another threatening letter because I accidentally paid 6.00 less than the min payment. Wish I had the money to pay it off and lock the cards.

Card is terrible as a reliable instrument. You're dealing with something that will only cover specific charges. Nothing online. Barely nothing. Google Play nothing specific to electronic purchases. And then they put your card on pending hold. So your purchases don't go through. It's almost like they can tax your card and fee your card but you don't have access to funds. Or barely do.

Updated on 12/26/2025: Part 2 of my review made just 2 days ago is today I got a letter from Aspire to apply for a NEW CARD!!! I was expecting an explanation of the “unexpected activity” that was the reason they closed my account without notification! I filled out the info and at 1:47pm I got a “CONGRATULATIONS YOU ARE APPROVED” WOOHOO! I now have a NEW (old) card that has a $500 (not $575 old card) credit limit! The difference is this new card will be $401 I believe because they take out that NEW ANNUAL FEE (old card the 2nd yr is $99).

This company takes out unauthorized payments which in turn can messed up your bill paying and credit. When ask to have money refund same day they told me like 20 days. Meanwhile bill go unpaid. Total bad company to use. They always resort to contract and don't care about the customer. Beware of this company. Always check contracts don't assume. Stay far away, very unprofessional staff, sounds like they're reading from a script. Awful

Where’s the zero star, firstly how does a scam company allowed to run to be a credit cards providers, where’s oversight? Aspire will offer credit increase for $250, god forbid if you accept it, they will hit you with $50 fee, then in the fine print says no annual fee, then without any notifications there’s monthly fees added. If you pay due date after 5pm they will slap you with $41 late fee within by next morning, won’t waive it either. I worked at financial companies for years, big banks never gets away with these scams. This company needs to taken to court with class action lawsuit.

I have had my account for only 4 months. Was set up on autopay. My second payment did not go through and I was not notified until the following day when I was charged a $41 late fee and then a $52 over the limit fee because the late fee put my account over the limit. I made the payment THAT day. I have not missed a payment; but told today my account was closed in October due to the account being over the limit. I was NEVER informed of this!!! Shady company and representatives are of no help.

Really bad customer service. I was charged 100 for annual fee. Closed my account, really unsatisfied service and that refused to refund me. I don’t recommend this credit card at all. Customer service couldn’t help me with my issue. Bad credit card and really bad service

I had an Aspire credit card for 3 plus years, paid off to zero on a monthly basis and used for "pleasure". One month was on vacation and missed minimum payment by a week. Next pay period paid to zero balance as usual, my available credit was zero and they had cancelled my card. Couldn't believe it!! Paid it to zero on a monthly basis and they canceled it. Screwed me and took a while to recover. Do not use this shit company!!

This credit is the worst thing ever! They hold your credits (returns) then blame the merchant when you see it released. They will hold merchants holds for two weeks even if it has been released like a rental car. And the customer service is horrible. Look elsewhere if you can! Definitely not worth the hassle.

My wife opened an account with them to try and help boost her credit seeing they had sent her a pre approval. Once she accepted the offer, they stated she would have her card within 2 weeks. Once three weeks had passed, she called them in question as to why she yet had not received a card. They said they were sending another one and 3 weeks went by again and no card. She calls back for the third time asking once again and informed them if it did not come in the next two weeks like they had once again said it would, she did not want their services and she would go with another company seeing she had been sent several pre approved offers.

I was told that my credit card was cancelled for suspicious payments. I paid the card with my debit card every two weeks. Then they said suspicious activity, my limit is $350. And the bal. was $317. I tried the card a few times and was declined and they cancelled it.

I am paying 100 dollars a month yet they take like 65 a month in fees. Then I’m seeing another annual fee. I’m thinking maybe they already charged that. The 175 available balance I had in the card is now 100. I am paying another 100 next month for them to completely eat that 100 up in annual fees and leave me with nothing. At this point I’m really considering not even paying these people. But then the rest of my CC that I love will probably shut me down. I have the money to pay it off but when I look at how much they have gotten from me in fees I’m like forget it! These people are fraud. I rather let it go to collections and then settle for a smaller amount.

Me and my partner put in for a dispute and payments regularly on time and they decided that they did not want to no longer service us, saying that it came back and it went over our limit. This company is really bad news and as you can see the negative complaints about Aspire speaks volumes.

This card charges late fees if you don’t make a payment before 5pm so if you made a payment and it’s after 5 you're going to get hit with higher interest rates and late fee charge. They also do not care if your card was stolen. You will be held accountable for anything that was spent even if you filed a police report. Stay away from this company. They are scammers. They don’t answer the phone. And when they have website difficulties and you are not able to submit your payment you will get hit with that late fee charge and higher rate charges. They will close your account for no reason as well. And not give you a heads up and your credit score will drop because of that.

I had no problem with this card until this week. I was looking at my credit report and it stated that my Aspire card was closed for 60 days past due. Which drop my score 150 points. It made no sense since I know it was not past due. I check and made all the payment so I call them. They can not help me because the system says I am past due even thru my payment for up to date. It doesn't make sense. All the customer service people keep saying is they are sorry for the inconvenience but if their system says them it is correct. I can prove I have made all my payment. I am now waiting for someone to call me back and I disputed it on my credit report. If customer service can't help, they should be able to find someone who can.

Worst card I’ve ever been approved for. I accepted this card so to build my credit, only when I made my payments I did not see it reflect on my statement. Turned around and made another payment within my billing period .. only to find out that they closed my account. Please, Please do not bother using this card EVER!

This company is predatory and I would stay away AT ALL COSTS. The monthly minimum payment keeps skyrocketing after all the fees are tacked on. I make payments that I can afford and it's practically pointless because it goes up even higher the next month it's actually insane. I get emails from them saying that I have an overdue balance and I should reach out because they have "flexible payment options available to help my balance." Yeah.. A total lie!!!! I've reached out multiple times to make an effort to resolve my balance with what I can afford. Have had no issues with other companies. They all helped me and guess what.. I'm back on time with them! Stay far, far, FAR away. I tried telling them to close my account and they just dance around the statement and tell me to talk to someone else. TERRIBLE. Whatever you do - DO NOT GET AN ASPIRE CARD!!!!

Just one day of having this cc and I can't make any purchases ANYWHERE!! I've had to call customer service twice & have reached out to their chat what seems like 8 times now just in one day to ask them to please unlock my card. They all say the same thing "it's been unlocked you can use it in 2 minutes" & then I go & try to purchase something and it gets declined.

Pre-approved offer letter in the mail was a complete lie. They dinged our credit report only to deny us after sending us a pre-approved offer letter for a credit card. That is the same as false advertising isn't it? I feel like everyone denied after pre-approval. Should be owed damages for the ding we just took to our credit!!!

Avoid this credit card at all costs! The minimum payments srart low but the interest rate and finance charges are so high, the minimum payment becomes exorbitant. They prey on people who have bad credit by giving them a high credit line, and then once they add their finance charge and interest rate to the minimum payment, there is no way to catch up. DO NOT GET!!

Never received a card, yet they are billing me, they can CLEARLY see I never activated a card, or try using a virtual card. So why report me as non-payment status to the credit bureaus if I never got a card in the first place? I plan on suing this company next month.

This company is fraudulent. I was offered to pay $28 by July 25th and would be given a $40 statement credit. I paid through my app on July 16th and called about the statement credit today, only to be told they won't honor it because I didn't click the link in an email or call to make payment over the phone. What a fraud. Do not do business with this company.

Wish I had seen these reviews. I got the card in March. I have paid double the minimum due never been more than 3 days late had the credit protection yet somehow I was over my limit and the closed my account yesterday after I paid July and August payment and they won’t listen or help you!

Opened an Aspire card and made every payment in full and on time. Suddenly it stopped working, despite showing a balance that was more than $150.00 below my credit limit. Upon reaching out to Aspire, they said my account was closed due to "unexpected account activity". That made no sense, so I asked them what the "unexpected account activity" was, and they refused to answer me. It sounds like I'm not the only one. After paying ridiculous fees and making all payments on time and in full, my account was canceled for a reason they can't provide. This will harm my credit. Avoid this card at all costs. I was able to get multiple other cards with higher limits, lower fees, and rewards. I can't say anything good about this company. They target people with poorer credit and collect their fees, then apparently (in my case) close the card for no good reason.