Tuesday, November 10, 2026 · Customer reviews of US businesses
The Fair Hearing score
Great
689 reviews
AspireSelect a line to read only those reviews.
Honesty, pricing, process and quality scores appear once 5 customers have rated them.
The Aspire® Mastercard is built for people ready to build, grow, and aspire. Trusted by more than 1 million cardholders, this unsecured credit card, issued by The Bank of Missouri, reports to all major credit bureaus. Responsible use could help you strengthen your credit profile and work toward higher credit lines over time. Even if you’re starting with less-than-perfect credit, the Aspire® Mastercard is designed to help you build toward what’s next. You could earn cash back rewards* on eligible purchases and access your credit score* for free. Managing your account is simple through the online Account Center or mobile app—plus support is available 24/7. Learn more at aspire.com $0 security deposit $0 application fee $0 fraud liability No credit score impact (prequalify with a soft credit check)See If You Prequalify*Learn moreClick here to view additional details.
Aspire (aspire.com) has 689 customer reviews on The Fair Hearing, with an average rating of 4.1 out of 5.
Showing 124 reviews with 1 star · Clear filters
THE CARD WAS EASY TO GET BUT THEY CHARGE A MONTHLY FEE I TRYED TO CLOSE THE CARD AND THOUGHT I DID BUT THEY KEEP CHARGING ME A MONTHLY FEE. I HAD MY BANK DO A CHARGE BACKFOR THE UNAUTHERISED FEE, S THEN THEY REPORTED MY ACCOUNT DELINQUENT TO THE CREDIT BUREAU, S MAY BE I CAN SUE THEM
By ERIC N.
Received the credit card $99 monthly fee They wanted to sell me something Took 25 minutes of me talking with someone and did not activate the card The card still doesn’t work, but they have my $75
By Kisha M. J. L.
Having had the TBOM Aspire card for two years with no issues, I received an email concerning an important Notice of Change to my account. I admit that I often fail to read these but this time I did. Now my "no cost / no fees" account will be assessed a monthly maintenance fee of $5 per month (albeit small, it is still a $60 a year fee). This card has my lowest credit limit of over ten cards (many over $15,000) so I do not need it; however, dropping a card with a two-year history will indeed affect my credit score for an unknown period. When I immediately called, expecting to be transferred to a retention specialist, I was simply told that by not accepting their updated terms, my card would be cancelled immediately. So much for valuing their "good" customers (my current score is well over 750 with all of the three bureaus). Please consider twice before accepting the Aspire card's new terms...
By Bill S.
So got this card when my credit wasn't so hot. It was fine until I tried to cancel it. The fees become unacceptable with a $10 monthly maintenance fee on top of the annual fee. No way to cancel online. Long term consequences for accepting this card. Immoral company as far as I'm concerned. Not recommended for Seniors who are not tech savvy as they only communicate via the app, email.
By Jacqueline Tyanne H.
This company is a financial predator. Payments made on your account AFTER 5 pm on the due date is considered late and is assessed a late fee of $ 29.00. This is the only credit card company out of 8 cards in my wallet that rape customers this way. And then you technically have a late payment on your account. I paid on the due date at 5:15 this month after getting home from work a few minutes late. I was charged a 29.00 fee. I called them up told them to shove their credit card right up their corporate ass. Better lose a few points off my FICO score, than continuing to be raped monthly by this predator financial institution.
By John J.
ASPIRE IS A SCAM!! After having this card for over a year they out of nowhere started charging me extra $5 month for what they call “MAINTENANCE FEE” They said I signed a agreement in my application that I agree with their terms and conditions. I now have to pay high interest, I also have to pay additional $5. If I close my account my credit score goes down.
By Brent M.
I opened an account with Aspire after I got bad marks on my credit from the government shutting down my business for a year during Covid. They promised a credit line increase after six months. I never received that. I paid my card on time and in full for over a year and they refused to raise my credit limit. I would stay away from Aspire if you are someone who intends to do all the right things associated with a credit card. I believe they like people who miss payments or have late payment so they can make extra money on penalties and fees. I was a perfect customer and when I told them I would close my credit line if I didn't get an increase, they couldn't close it fast enough. It was FU and bye. They could not have cared less. At lease I'm comfortable in the fact that they will no longer receive any revenue from my account. SAY NO TO ASPIRE if you really aspire to be better with your credit.
By JT
I've been trying for 2 months to get my account straight. They messed up a payment the end of December, said that the bank returned it. Bank says I have never had anything returned on my account. Two months later and they still won't remove fees for their mistake. I made a payment the end of January to catch up their mistake, minus fees, and for February. Using the same bank info as the one they claimed returned. They applied it to the fees only and now say that I am two months behind in payments, and surprise more fees for being late. 🤯
By Leta G.
