Aspire^® Cash Back Rewards Mastercard

Atlanticus is an Experian Partner

Recommended FICO^® Score^Θ

Poor - Fair

Annual Fee:	$85-$175 first year, $229 thereafter
Intro APR:	N/A*
Ongoing APR:	36% Fixed
Ongoing Balance Transfer APR:	36% Fixed

Card details

Earn 3% Cash Back Rewards on eligible Gas, Groceries and Utility Bill Payments
Earn 1% Cash Back Rewards on all other eligible purchases
Up to $1,000 credit limit subject to credit approval
No security deposit
Use anywhere Mastercard is accepted
$0 fraud liability (Fraud liability subject to Mastercard rules)

Pros and cons

Cardholders can earn cash back rewards
No security deposit necessary
Applicants with fair or poor credit scores could be approved

Annual fee and monthly account maintenance fee
Possibility of a high APR

See all Atlanticus‘ offers

Review Snapshot

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Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

^ΘCredit score calculated based on FICO^® Score 8 model. Your lender or insurer may use a different FICO^® Score than FICO^® Score 8, or another type of credit score altogether. Learn more.

Aspire^® Cash Back Rewards Mastercard

Review Snapshot

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Aspire® Cash Back Rewards Mastercard

Review Snapshot

Learn more about credit cards

How to Increase Your Credit Limit

What Is a Cash Advance and How Does It Work?

How Do I Stop Receiving Credit Card Offers in the Mail?

APR vs. Interest Rate: What’s the Difference?

How to Get a Credit Card if You Don’t Have a Credit History

Average Credit Card Debt by Age in 2025

Aspire^® Cash Back Rewards Mastercard