Aspire® Protect Mastercard
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Credit Score
Annual Fee
$85-$175 first year, $229 thereafter
Foreign Fee
3% of each transaction amount in U.S. dollars
Purchase APR
N/A
Balance Transfer APR
N/A
Regular APR
36% Fixed
Editor's Take
CardCompareHub editorialEditorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by The Bank of Missouri.
The Protect variant trades the Aspire's cash-back rewards for benefits — cell phone protection, roadside assistance, identity-theft expense reimbursement. Same fee escalation, same APR at the regulatory ceiling.
Cell phone protection alone can be worth the cost of a separate carrier insurance plan, which makes the math less brutal than the rewards version — but only if you'd actually use the coverage. The bigger issue is the credit profile this card targets. Most people in that range can do better with a secured card from a mainstream issuer (Capital One Platinum Secured, OpenSky Plus), then graduate to an unsecured rewards card once their score recovers. The Protect's no-deposit, fee-laden structure is convenient, not economical.
Card Details
- Cell Phone Protection* – Receive up to $800 of replacement or repair costs if eligible cell phone is stolen or damaged.
- 24-hour Roadside Assistance*
- Up to $25,000 Identity Theft Expense Reimbursement Coverage*
- Up to $1,000 Credit Limit Subject to Credit Approval
- No Security Deposit
- $0 Fraud Liability*
- Prequalify** without affecting your Credit Score
- *Terms and Conditions apply. Click Apply Now for details.
- ** 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.
Aspire® Protect Mastercard
Ready to apply? Visit the issuer's secure site.
Rates & fees apply. See issuer's website for full terms and conditions.