Celtic Bank · Mastercard

Aspire® Cash Back Rewards Mastercard

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$85
Rewards rate
1%
Intro offer
Check the issuer page for any current introductory offer and eligibility rules.
Recommended credit
Fair (580-669)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
$85
Purchase APR
APR range: 36%
Balance transfer APR
APR range: 36%
Cash advance APR
APR range: 36%
Foreign transaction fee
Check issuer terms
Late payment fee
up to $41
Grace period
25 days
Recommended credit
Fair (580-669)
Terms last updated
6/22/2026
Key benefits
  • Fraud-liability protection
  • Cash-back earning focus
Rewards breakdown

Wafacard summary: this cash-back card shows cash-back earning from 1%-3% depending on the purchase type and issuer rules. Check the issuer page for eligible categories, caps, and current terms.

Intro offer: Check the issuer page for any current introductory offer and eligibility rules.

Card details

Wafacard note: key fit signals include fraud-liability protection, cash-back earning focus. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
Celtic Bank
Network
Mastercard
Type
cashback
Review status
Terms reviewed 6/30/2026

Is Aspire® Cash Back Rewards Mastercard worth it?

The Aspire® Cash Back Rewards Mastercard is a cashback card from Celtic Bank with a $85 annual fee — a mid-range cost that should be offset by everyday value. It lists 1% on eligible spending, and the breakdown below shows how that earning applies across categories. New cardholders may also qualify for a welcome offer: Check the issuer page for any current introductory offer and eligibility rules. It is generally aimed at applicants with fair (580-669) credit, with a purchase APR around APR range: 36%. Confirm current terms on Celtic Bank's site before applying.

Similar cashback cards

Compare cards
Best for no annual fee
AARP(Registered Trademark) Essential Rewards Mastercard(Registered Trademark) from Barclays
4.7 ★★★★★
Wafa rating

AARP Essential Rewards Mastercard from Barclays

Barclays · Mastercard

Annual fee
$0
Welcome bonus
100 points
Rewards rate
1%
Intro APR
0% · 15mo
See rates & apply on Barclays' site
Why we like it
  • Intro APR or transfer-focused terms
  • Fraud-liability protection
  • No yearly card fee
Best for no annual fee
4.7 ★★★★★
Wafa rating

Abound Visa® Platinum Card

Abound CU · Visa

Annual fee
$0
Welcome bonus
Check terms
Rewards rate
1%
Intro APR
Check terms
See rates & apply on Abound CU's site
Why we like it
  • Fraud-liability protection
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
4.7 ★★★★★
Wafa rating

Alliant Cashback Visa® Signature Credit Card

Alliant · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
See reward details
Intro APR
Check terms
See rates & apply on Alliant's site
Why we like it
  • Extended warranty coverage may be included
  • No yearly card fee
  • Cash-back earning focus
Best for no annual fee
4.7 ★★★★★
Wafa rating

Amazon Prime Visa

Chase · Visa

Annual fee
$0
Welcome bonus
200 points
Rewards rate
See reward details
Intro APR
0% · 36mo
See rates & apply on Chase's site
Why we like it
  • Extended warranty coverage may be included
  • Baggage coverage may be included
  • No yearly card fee