Aspiration Zero Credit Card

*Editor’s note: This card is currently not accepting new applications.

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

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability
Contactless PaymentsApple Pay, Google Pay
Benefits
Travel PerksNone

Rewards

0.5% cash back
All eligible purchases
Earn 0.5% on all qualifying transactions.
1% cash back
All eligible purchases
Earn 1% cash back after making 60 qualifying transactions in a month or by rounding up change on 30 qualifying transactions through the Aspiration Plant Your Change program.

Interest Rates & Fees

Annual Fee$60
Foreign Transaction Fee2% of each transaction in U.S. dollars.
Regular APR13.15% to 22.95% (V) APR

Pros & Cons

Pros
  • Welcome offer
  • Aspiration plants a tree every time you make a purchase
Cons
  • Annual fee
  • Foreign transaction fee
  • Requires good credit

What Are the Best Alternatives?

Citi<sup>®</sup> Double Cash Card - 18 month BT offer
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
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
Citi Custom Cash® Card

Rating

4.7

Rewards Range

1% - 5%

Annual Fee

$0

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