Aspire Platinum Rewards Review: A Triple Threat vs. Debt

THIS CARD IS NO LONGER AVAILABLE. SEE BELOW FOR ALTERNATIVES. You'll get a coveted combo of debt-busting features, plus ongoing rewards to boot. Membership is required, though, and the intro APR period is relatively short.
By Melissa Lambarena 

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Our Take


NerdWallet rating 
The bottom line:

This card offers some hard-to-find features for those looking to pay down debt, and its modest rewards may make it worth keeping around afterward.

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Aspire Federal Credit Union Platinum Rewards MasterCard Credit Card
Aspire Platinum Rewards Mastercard®
Annual fee
Regular APR
10.90%-18.00% Variable
Intro APR
0% intro APR on balance transfers for the first 6 months
Rec. credit score
690-850 (Good - Excellent)


NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.