Aspiration Zero Credit Card
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Editor’s Note: This card is no longer available.
The Aspiration Zero Credit Card is a cash back rewards card that offers 0.5% cash back on all purchases. However, if you achieve “carbon neutral status,” you’ll earn 1% cash back. For each purchase made with the card, Aspiration will plant one tree. With regular use for daily purchases, cardholders can look to reach that carbon neutral position, and earn 1% cash back rewards in the process. However, the card does have an annual fee. We dive into the details and your approval odds in this Zero review.
Our Rating
3.5/5.0
Welcome Offer
None
Annual Fee
$60
0% on Purchases
None
Reward Rate
0.5% to 1%
0% on Balance Transfers
None
Welcome Offer
None
Features & Benefits
| Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability |
| Contactless Payments | Apple Pay, Google Pay |
| Benefits | |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $60 |
| Foreign Transaction Fee | 2% of each transaction in U.S. dollars. |
| Regular APR | 13.15% to 22.95% (V) APR |
What Credit Score Is Required to Get the Aspiration Zero Credit Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 565
Average Approved Credit Score: 672
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 12/14/2021 | Experian | ||
| Approved | 01/27/2022 | TransUnion | ||
| Approved | 01/27/2022 | Experian | ||
| Approved | 01/27/2022 | Equifax | ||
| Approved | 09/29/2021 | Experian |
Pros & Cons
- Welcome offer
- Aspiration plants a tree every time you make a purchase
- Annual fee
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
Blue Cash Preferred® Card from American Express
Rating
4.5
Rewards Range
1%-6%
Annual Fee
$0 intro annual fee for the first year, then $95.
Citi Custom Cash® Card
Rating
4.7
Rewards Range
1% - 5%
Annual Fee
$0