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  Aspiration Zero Credit Card
Aspiration Zero Credit Card
in Credit Cards from Aspiration Partners Inc.
Claimed

Aspiration Zero Credit Card

Claimed
in Credit Cards from Aspiration Partners Inc.
SuperMoney Net Recommendation Score -83  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -83, equating to 1.3 on a 5 point rating scale.

-83

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

0 users recommend
1 user is unsure
5 users don't recommend
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Highlights
Community Rating Strongly not recommended
Purchase APR  (Variable APR) 13.15% - 22.95%
(Verified 08/11/2022)
Balance Transfer APR  (Variable APR) 13.15% - 22.95%
(Verified 08/11/2022)
Credit Score Range 670 - 850
Annual Fee $60
Number of Reviews 6

Aspiration Zero Credit Card Review

This is a cashback 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 if you spend $3000 within 3 months.
  • Competitive APRs. Aspiration Zero Credit Card has a variable purchase APR that ranges from 13.15% up to 22.95%.
  • 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 2% every time you make a transaction outside the U.S.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Aspiration zero credit card

The Good The Bad
  • 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.
  • 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 most everyday purchases. Terms apply*.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.

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.

What are the Aspiration zero credit card benefits?

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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?

The following fees apply:

Aspiration zero credit card Fees
Fees Amount
Annual Fee $60
Foreign Transaction Fee 2%
Returned Payment Fee up to $35
Late Payment Fee up to $10

Does Aspiration zero credit card have a foreign transaction fee?

Aspiration zero credit card charges a foreign transaction fee of 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 Aspiration zero credit card customer service number 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.

What is the Aspiration zero credit card login page?

You can access the Aspiration zero credit card login page here.

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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

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.

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.

Contact

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.

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Checking Accounts

31
82

124 Reviews

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 2%
Annual Fee $60
No Interest Grace Period for Late Payment 8 days
Returned Payment Fee Up to $35
Late Fee Amount Up to $10
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 670 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • Retail
  • Online
Signup Bonus $300
Cash Advance APR (Variable APR) 19.75% - 24.75%
APR Type Variable APR
Purchase APR (Variable APR) 13.15% - 22.95%
(Verified 08/11/2022)
Balance Transfer APR (Variable APR) 13.15% - 22.95%
(Verified 08/11/2022)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Cashback
Card Network Mastercard

Aspiration Zero Credit Card Community Reviews

 

Would you recommend Aspiration Zero Credit Card to your friends?

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -83, equating to 1.3 on a 5 point rating scale.

-83

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution. This editorial content is not provided by any financial institution.

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We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or service provider and read the information they can provide.

† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.