Aspire Federal Credit Union Platinum Mastercard®
Aspire Federal Credit Union Platinum Mastercard®
Aspire Federal Credit Union Platinum Mastercard®
Card details
Generous credit limits
No annual fee
Mastercard Benefits: Extended Warranties, Price Protection, ID Theft Resolution
0% introductory APR* on purchases and balance transfers for the first six months
Rates, fees & offers
Annual fee
$0
Rewards rate
N/A
Bonus offer
None
Intro APR
0% on Purchases and Balance Transfers for 6 billing cycles
Ongoing APR
APR: 8.15% - 18.00% Variable APR
Cash Advance APR: 18.00%, Variable
Balance transfer fee
2%
Foreign transaction fee
1%
Recommended credit score
Compare to other cards
 Aspire Federal Credit Union Platinum Mastercard® | ||
|---|---|---|
Annual fee$0 | Annual fee$0 | Annual fee$0 |
Regular APR8.15% - 18.00% Variable APR | Regular APR15.49%-25.49% Variable APR | |
Intro APR0% on Purchases and Balance Transfers for 6 billing cycles | Intro APR0% intro APR on purchases for 12 months from the date of account opening | Intro APR0% intro APR on Purchases for 21 billing cycles and 0% intro APR on Balance Transfers for 21 billing cycles for any balance transfers made in the first 60 days |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Sara Rathner
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Rating details
2.5
Editor's overall rating
Pros and cons
Pros
Qualify with average credit
No annual fee
0% on purchases and balance transfers for 6 billing cycles
Cons
No rewards
The Aspire Federal Credit Union Platinum Mastercard® is designed for consumers with fair credit (typically, those with FICO scores from 630 to 689). While you won’t earn a sign-up bonus or ongoing rewards, it does come with an APR of 0% on purchases and balance transfers for 6 billing cycles, and then the ongoing APR of 8.15% - 18.00% Variable APR, as well as a $0 annual fee.
You must join the Aspire Federal Credit Union in order to qualify for the card. You can join if someone in your immediate family or household is already a member, if you work for a company that offers membership to its employees or if you are a member of the Marine Mammal Stranding Center.
The card faces competition from other credit cards for fair credit that offer rewards programs. But it's a good option if your priority is getting extra time to pay down a credit card balance.
For more information, see a closer look at this card.
