Aspire Visa Card®


Enjoy your freedom! Whether paying for a family vacation, going to the movies or just buying groceries, the Aspire Classic Visa card offers the freedom and flexibility you deserve *Certain restrictions, limitations and exclusions apply.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Poor Credit Personal $150* N/A* N/A* 19.75%* None

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Important Notice: This Columbus Bank & Trust Company credit card is no longer available, or we are no longer authorized by the bank to provide information about this card. We are displaying limited archived data. Some information may be incomplete, inaccurate or missing. We apologize for the inconvenience. Here are some of the most popular cards on Finance Globe:



Aspire Visa Card® Quick Summary:
This Visa offer is issued by Columbus Bank & Trust Company. This card is intended for consumers, or "personal use" with poor or limited credit histories. The issuer may expect recent or past flaws in your credit report. Rates may vary among applicants, however the lowest standard APR is 19.75%* (Variable)*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is an annual fee of $150** for this card.

Rewards:
This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.

Credit Record Needed:
Based on the FICO score recommendation, the issuer may expect applicants with troublesome credit histories. A FICO credit score of 376 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Columbus Bank & Trust Company product.

Other Basics:
The grace period listed for the Aspire Visa Card® is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment (subject to available credit).

Rewards and Benefits:
  • 30 second online response
  • Rebuild your credit
  • No security deposit
  • Accepted at more then 29 million locations
  • Account access & online payment
  • Special deals for cardholders


  • Other Remarks:

    Account opening fee: $29.50**

    **These fees will be billed to your account.

    Certain accounts that you qualify for may have an Annual Fee. The on-line application is for either the Gold or Blue card offers.



    Approval Rate:
    Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

    There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 376, then your chance of approval may be even greater.

    Approval Time:
    Great news for applicants that do not want to wait on a application status. This card offer may give instant approval decisions. Remember, this may not be true in all cases, where application information may not be complete, questionable or for other reasons. When applying on-line, the system will normally show your approval status shortly after submitting your application. Credit cards normally take 1 or 2 weeks to arrive after your application is approved.

    Community Opinion:
    Based on community reviews, we found that 28% of 72 users recommend this card.
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