Last Updated: 07/28/2025
Aspiration Zero Credit Card
Claimed
Last Updated: 07/28/2025
SuperMoney User Recommendation Score -86
Strongly not recommended7 total votes
Explore a similar product
Try this top product in Credit Cards
Total Visa® Credit Card
Mostly recommended35 reviews
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreCompare All Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
13.15% - 22.95%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
13.15% - 22.95%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
670 - 850
Disclaimer popup with additional information
Annual Fee
$60
Disclaimer popup with additional information
Number of Reviews
Aspiration Zero Credit Card Review
This is a cashback credit card issued by Aspiration Partners Inc.. If you're wondering whether Aspiration Zero Credit Card is the right card for you, read on.
Key Takeaways
- Go carbon neutral. Plant a tree with every purchase. Go carbon neutral every month you plant 60 trees.
- Signup bonus. Offers a signup bonus of up to $300.
- APRs: Aspiration Zero Credit Card has a variable regular purchase APR that ranges from 13.15% up to 22.95%.
- A 3% balance transfer fee. Aspiration Zero Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Aspiration zero credit card
| The Good | The Bad |
|
|
Aspiration zero credit card FAQ
Does Aspiration zero credit card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Aspiration zero credit card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Aspiration Zero Credit Card has a variable purchase APR that ranges from 13.15% up to 22.95%. The card has a variable balance transfer APR that ranges from 13.15% up to 22.95%. It also has a variable cash advance APR that ranges from 19.75% up to 24.75%.
Does Aspiration zero credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Aspiration zero credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Aspiration zero credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $60 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $60.
Does Aspiration zero credit card have a foreign transaction fee?
Aspiration zero credit card charges a foreign transaction fee of up to 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Aspiration zero credit card?
The customer service number for Aspiration zero credit card is (800) 683-8529.
What is the support contact email for Aspiration zero credit card?
The support contact email for Aspiration zero credit card is support@aspiration.com.
How do people rate the customer service and user experience of Aspiration zero credit card?
Overall, Aspiration zero credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Aspiration Zero Credit Card report your account activity to credit bureaus?
Yes, Aspiration Zero Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Aspiration Partners Inc. perform a hard credit pull?
Yes, Aspiration zero credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Aspiration zero credit card
- Visit the website of Aspiration zero credit card.
- 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.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Aspiration Zero Credit Card Disclosure: Terms and conditions apply. The Aspiration Zero credit card is a credit product offered through Aspiration Card Services, LLC. in partnership with Beneficial State Bank, member FDIC, equal housing lender. Aspiration Card Services, LLC and affiliates, Aspiration Financial, LLC, a broker-dealer and member FINRA/SIPC, Aspiration Fund Adviser, LLC, a SEC registered investment adviser, Aspiration Insurance Agency, LLC, Make Earth Green Again, LLC, and Aspiration Sustainable Impact Services, LLC, are wholly-owned subsidiaries of Aspiration Partners, Inc. (collectively "Aspiration"). Aspiration is not a bank. All rights reserved.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
8:00AM - 4:00PM
Monday
6:00AM - 6:00PM
Tuesday
6:00AM - 6:00PM
Wednesday
6:00AM - 6:00PM
Thursday
6:00AM - 6:00PM
Friday
6:00AM - 6:00PM
Saturday
8:00AM - 4:00PM
Other Services by Aspiration Partners Inc.
Checking Accounts
31
81
123 Reviews
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -86, or 1.3 on a 5-point rating scale.
-86
-1000+100
No one recommends
Everyone recommends
Aspiration Zero Credit Card Community Reviews
Would you recommend Aspiration Zero Credit Card to your friends?
BV
Boris V.
Aug 15, 2023
May or may not recommend
Try to cancel. On hold for an hour + ... Easy to sign up , impossible to cancel.
FT
Frank T.
Aug 10, 2022
May or may not recommend
Payments take 10 DAYS to post to your account even if you have one of their checking accounts. Customer service is someone who doesn't speak english. DO NOT GET THIS CREDIT CARD.
Truelove G.
Jul 30, 2022
May or may not recommend
The term aspiration would suggest that this card would be a great credit builder card. This is not the case! Firstly, for anyone with a less than perfect credit score this is not the card for you. Secondly the $60 fee is off putting, the card takes forever to set up and arrive, and the monthly charges are a joke.
U
Anonymous
Jul 27, 2022
May or may not recommend
The Aspiration Card is worthless. I got it hoping to beef up my credit rating and the first month I lost 3 points because Aspiration does not report to credit agencies in a timely fashion. Their customer service is also horrible. I paid the $60 fee and now never use the card because I don't want my credit to go down.
GM
Gabriel M.
Jul 22, 2022
May or may not recommend
The first thing about this credit card is the annual feet of $60 and the second thing is that you credit score have to be high.
But its good card if you have a excellent credit.
Tiger W.
May 9, 2022
May or may not recommend
Crooked Banking Institution! Stay Away! They will steal the bonus you are entitled to signing up and will charge you a yearly fee in advance!
U
Anonymous
Feb 5, 2022
May or may not recommend
I have a very good credit score, and I applied for an Aspiration Zero Mastercard in December 2021. The application wasn’t immediately approved on-line, and after several weeks, after I’d assumed no approval, I suddenly get an approval email, on the condition that I provide additional documents verifying my identity, which I sent. I was then able to begin using an electronic version of my card during the three weeks ...Show More
Showing 7 of 7 reviews
You might also like
Best Personal Credit Cards
SuperMoney
Using Your Credit Card and Maintaining a High Credit Score
Gina Roberts-Grey
Can Your Kids Handle Credit Cards?
Audrey Henderson
Don't Want a Credit Card? You're Not Alone
LeeAnn Neal
What Are The Different Types of Credit?
Julie Bawden-Davis
