Aspiration Zero Credit Card Review

Aspiration Zero Credit Card provides a 0.5% unlimited cash back on all qualifying transactions during each payment period, along with an extra 0.5% back on every eligible purchase once carbon neutrality is achieved each month. When cardholders choose to redeem their rewards for tree-planting initiatives, Aspiration collaborates with reforestation partners to plant trees and contribute to environmental conservation.

While the card’s earning potential is surpassed by other cards, it’s important to note that more lucrative alternatives often come from major banks with significant investments in fossil fuels. In contrast, Aspiration Financial, the issuer of the Aspiration Zero, has taken a definitive stand against fossil fuel investments. Nevertheless, it’s worth exploring options from certain credit unions and banks, as they might provide more rewarding cards than the Aspiration Zero Credit Card, enabling you to earn higher rewards on your expenditures and subsequently donate those proceeds according to your preferences.

While the objective of making a positive impact on climate change is commendable, the Aspiration Zero card falls short in its ability to rival other credit cards. The combination of an annual fee and the card’s limited earning potential renders it a less favorable choice when compared to alternative options.

Aspiration Zero Credit Card Review

  1. The Aspiration Zero Credit Card offers 2% cash back on all purchases, distinguishing itself with a unique earning structure. Users earn 1% cash back when making purchases and an additional 1% when those purchases are paid off. One notable feature is the absence of an annual fee, making it an appealing option for those seeking rewards without an additional cost.[1].
  2. Seven reviews on SuperMoney strongly do not recommend the Aspiration Zero Credit Card. Pros and cons should be considered before opting for this card[3].
  3. As you spend with the Aspiration Zero Credit Card, it contributes to carbon neutrality by planting trees globally. This feature distinguishes it as the first of its kind.
  4. The card aligns with Aspiration’s goal of carbon neutrality, providing 1% cash back on all purchases.
Aspiration Zero Credit Card Review
Aspiration Zero Credit Card Review

Key Features

  • Take action against climate change with our eco-friendly credit card.
  • Get a $300 reward by spending $3000 in the first 3 months.
  • Contribute to tree planting with every purchase, and have the option to round up for an extra tree.
  • Achieve Carbon Zero status each month for up to 1% cash back on all purchases.
  • Redeem rewards as a statement credit or additional planted trees.
  • Environmentally conscious card made from corn-based PLA, boasting a smaller carbon footprint compared to traditional plastic.
  • Monitor your environmental impact using our app.
  • Issued by Beneficial State Bank, a member of FDIC.

Pros & Cons of Aspiration Zero Credit Card

The Good

  • Chance to eliminate your carbon footprint each month.
  • Plant a climate-change fighting tree with every swipe.
  • Welcome bonus
  • Potentially lower than average purchase APRs.
  • Identity Theft Protection.
  • Aspiration Zero Credit Card reports to multiple credit bureaus.

The Bad

  • You need good credit to qualify.
  • Charges an annual fee of $60
  • Charges a foreign transaction fee of 2%.
  • Rewards bonus rate of only 1% on purchases. Terms apply*.
  • You don’t earn rewards on every purchase.
  • Charges a 3% balance transfer fee

Additional Card Advantages

Digital Wallet Integration: Cardholders have the option to link the card to mobile wallets, enabling seamless contactless payments.

Core Mastercard Features: Being a Mastercard, fundamental perks encompass zero liability protection, worldwide services, and identity theft protection upon enrollment.

Terms and Conditions

Interest Rates

  • Standard APR: Variable, ranging from 13.15% to 22.95%
  • APR for Purchases: Not applicable
  • APR for Balance Transfers: Not applicable


  • Yearly Fee: $60
  • Balance Transfer Fee: Either $5 or 3% of the transferred amount, whichever is higher.
  • Foreign Transaction Fee: 2% of each transaction in U.S. dollars.
  • Cash Advance Fee: Either $10 or 5% of the cash advance amount, whichever is higher.

What are the fees for Aspiration zero credit card aspiration credit card limit

The following fees apply:

Returned Payment FeeUp to $35
No Interest Grace Period for Late Payment8 days
Foreign Currency Transaction Fee2%
Annual Fee$60
Late Fee AmountUp to $10
Minimum Cash Advance Fee ($)$10
Cash Advance Fee (%)Up to 5%
Cash Advance Fee Minimum$10
Aspiration Zero Credit Card Review

How to apply for Aspiration zero credit card

  • Visit the Aspiration zero credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

Is there a cash back or rewards program associated with the Aspiration Zero Credit Card?

No, the Aspiration Zero Credit Card does not feature a rewards program; instead, it operates as a cashback card. This implies that you receive a percentage of your purchases as cash back rewards.

What advantages does the Aspiration zero credit card offer?

It includes the following benefits:
Zero fraud liability
Reporting to major credit bureaus
Identity theft protection

Does Aspiration zero credit card have a foreign transaction fee?

Aspiration zero credit card charges a foreign transaction fee of 2%.

Do you have anything to add to the Aspiration Zero Credit Card Review Tell us your valuable feedback in the comment section below.

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