Aspire review

No. The annual fee is $0 on the business account, and the pricing model is no annual fee. For a company that runs most card spending through its own costs, that removes the yearly charge many business cards add. Cashback still applies to business spending, so the card keeps earning after the fee is out of the way.

Rewards come as cashback, with unlimited cashback on business spending as the stated rate. That suits companies that put most of their everyday costs on the card, since software, travel and supplier payments all count as business spends. There is no cap or category list to track in the stated rate.

It is built for business customers, so sole traders and small companies are the natural fit. The card is a credit card, which means the balance is repaid rather than taken from a current account, so timing matters for cashflow. The rewards are also written for company spending rather than personal ones.

Support runs on help centre only, so a business owner works through written answers rather than talking to someone. That suits owners who check card details at odd hours. It is a thinner setup than phone or live chat when a payment is blocked and needs sorting quickly.

Aspire charges $0 a year on the business account, and it ranks 1 on annual fee among 312 brands compared. bunq and wise list annual fees of €0 and £0 on their own plans, though those are personal products rather than business cards.

Aspire was founded in 2018 and targets business customers. That focus shows in the pricing: the annual fee is $0 on the business account, and the cashback rate is written for business spending only. The rewards design follows the same business only line.

It is a credit card, so the balance is carried and repaid rather than paid straight from a current account. That suits a company that clears card spending at the end of the month. Support is listed as help centre, so questions about the balance run through written answers.

The cost score is 6.2 and the overall score is 6.2. The annual fee of $0 is the main cost lever, and the cashback reward adds value on top. A free annual fee helps the cost picture, while the card sits mid table overall.