The Aspire Visa credit card uses chip technology for added security, has interest rates starting at 13.99 percent, depending on an applicant's credit record, and no annual fee, according to the State Employees Credit Union of Maryland. Some other facts about the card are that it does not have balance transfer or cash advance fees.
When using an Aspire Visa credit card, customers earn a reward point for every dollar that is spent. These points are unlimited and do not expire, states the State Employees Credit Union of Maryland. Customers can have interest rates up to 24 percent when opening their accounts, depending on their credit scores. The due date for this card is 25 days or more after the ending of the billing cycle, and an interest charge does not occur on purchases as long as the customer pays the full balance on or before the due date. There is a late payment fee of up to $25 and a return payment fee of up to $15, as of 2015.
College students can also apply for the Aspire student visa credit card, explains the State Employees Credit Union of Maryland. This card offers many of the same benefits as the Aspire Visa credit card such as reward points for every dollar and chip security.