Aspire Federal Credit Union Platinum Mastercard®

Aspire Federal Credit Union Platinum Mastercard®

Aspire Federal Credit Union Platinum Mastercard®

Aspire Federal Credit Union Platinum Mastercard®

Aspire Federal Credit Union Platinum Mastercard®

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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 Credit Card

Aspire Federal Credit Union Platinum Mastercard®

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$0

Annual fee

$75

Annual fee

$0

Regular APR

8.15% - 18.00% Variable APR

Regular APR

See Terms

Regular APR

14.74%-22.74% Variable APR

Rates & Fees

Intro APR

0% on Purchases and Balance Transfers for 6 billing cycles

Intro APR

N/A

Intro APR

0% intro APR on purchases for 12 months from the date of account opening

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Sara Rathner

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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.