What is an Aspire Charge Card and how does it work?
Aspire Charge Cards are secured cards that are backed by a collateral deposit. Admins and Finance users can fund the collateral account to unlock an equivalent spend limit, up to the approved credit limit.
At 6 PM PT every day, any due amount spent will need to be repaid from your Aspire Checking Account.
How do I use an Aspire Charge Card for payments?
Admin, Finance, and Employee users can make payments using a virtual Aspire Charge Card. To get started, Admin or Finance users must top up the collateral account, and a virtual card must be created.
Only Admin users can create virtual cards for themselves. Finance and Employee users will need approval from an Admin or Budget Owner before a card can be created.
How do I repay what I spent on my Charge Card?
Repayments must be made from the Aspire Checking Account. Admin and Finance users can:
Enable Autopay to automate repayments every day
Or manually transfer funds from the Aspire Checking Account
Learn more about repayment options in this FAQ.
How do I increase my available Charge Card limit?
To increase the available limit, Admin or Finance users need to top up the Cards Collateral Account. The available limit will increase by the amount added to the collateral. The Cards collateral account balance cannot exceed your credit limit at any time.
Note: Currently, only transfers from the Aspire Checking Account are accepted.
How do I create Charge Cards?
To create charge cards, Aspire users may refer to Guide to Creating Aspire Charge Cards.
When can I start using my Charge Card?
Aspire users can begin using the charge card once:
The virtual card is created and
The collateral account is successfully funded
Questions? Chat with us by clicking on the messenger icon at the bottom right of the screen once you are logged in.
Aspire is a financial technology company, not a bank. Banking services are offered by Column N.A. (“Column”), Member FDIC.
The Aspire Secured Commercial Charge Card is issued by Column, N.A., Member FDIC, pursuant to a license from Mastercard. Approval is subject to eligibility. Payment of the account balance is due in full daily.