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Aspiration Zero Credit Card Review 2023

Aspiration Zero Card
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Aspiration Zero Card
Aspiration Zero Card
Michael Graw
Feb. 14, 2023
3 min read
Michael Graw
Aspiration Zero Card Summary
Aspiration is a socially conscious bank that aims to make personal finance more eco-friendly. The bank launched in 2013 and released its first credit card, the Aspiration Zero, in 2021. With this card, Aspiration will pay to plant a tree for every purchase you make to offset your carbon footprint. When you get to 60 trees planted in a month, Aspiration rewards you with up to 1% cash back.

Pros

  • Plant a tree with every purchase
  • 1% cash back after reaching Carbon Zero

Cons

  • Offers limited cashback compared to other rewards cards
  • $60 annual fee

Aspiration Zero Card at a glance

4.2
Editorial score

Fees

Multiple fees
3.0

APR

Doesn't cover bad credit
4.0

Security

FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
5.0

Customer service

Multiple communication options, wide range of hours
4.0

Online experience

Excellent site and app with detailed FAQs, help center, and transparency of rates and features
5.0

Aspiration Zero Card Aspiration Zero Card Apply Now

Overview

The Aspiration Zero credit card was designed to help consumers cut their carbon footprint. With this card, every purchase you make results in a tree being planted to offset your carbon emissions. You can also round up your purchases to the nearest dollar to plant a second tree.

When you get to 60 trees planted in a month - which is either 60 transactions or 30 rounded-up transactions - you’ve gone carbon-neutral according to Aspiration’s calculations. As a reward, the company will give you 1% cash back on all your purchases for that month. You can track how many trees you’ve planted each month through the Aspiration mobile app.

Suitable for?

The Aspiration Zero credit card is most suitable for consumers who want to reduce their environmental impact. Planting a tree or two with every purchase helps to offset your carbon footprint. In addition, Aspiration’s mobile app scores merchants based on their social impact and eco-friendliness, so you can focus your spending at stores that match your values.

The downside to the Aspiration Zero card is that its rewards program doesn’t provide as much cash back as traditional cash back credit cards. You only receive 0.5% cash back on eligible purchases until at least 60 trees are planted within a month, and even then you’re limited to 1% back. In addition, the Aspiration Zero credit card has a $60 annual fee. So this credit card is most suitable for those who prioritize sustainability over cashback rewards.

Interest Rates and Fees

The Aspiration Zero card has a $60 annual fee. Aspiration hasn’t yet released details about foreign transaction fees, late fees, or interest rates since the card is still in its early access phase.

Annual FeeForeign Transaction FeeAPR
$60Not specifiedNot specified

Rewards & Cashback

The Aspiration Zero card rewards you for purchases by helping you reduce your carbon footprint. When you make a purchase with the Aspiration Zero credit card, Aspiration pays to plant a tree on your behalf. If you round up your purchase to the nearest dollar, Aspiration plants 2 trees on  your behalf. 

After 60 trees planted in a single month, Aspiration says that you reach carbon neutrality. To reward you for that milestone, the company gives you 1% cash back on all of your purchases for the month. If you don’t reach 60 trees planted in a month, you will only receive 0.5% cash back for transactions made during that month.

The Application Process

The Aspiration Zero credit card is currently in an early access phase, so you’ll need to sign up for the waitlist for now. Aspiration has said that there are over 100,000 people on the waitlist and the company has not announced when it will begin rolling out the card on a large scale.

Help & Support

Aspiration offers customer support by email only. The company’s website has a help center, but there is currently little information there about the Zero credit card.

Security

Aspiration protects customers’ personal information with 256-bit AES encryption and 24/7 online monitoring. The Zero credit card is backed by Mastercard’s Zero Liability Protection Policy, so you’ll never be responsible for fraudulent transactions made using your card.

FAQ

How do I get the Aspiration Zero credit card?

The Aspiration Zero credit card is currently in an early access phase. You can sign up for the waitlist and the company will notify you by email when you are able to apply.

Is there a minimum credit score for the Aspiration Zero credit card?

Aspiration requires a minimum credit score of 670 or higher for the Zero credit card.

Does the Aspiration Zero credit card have an annual fee?

Yes, the Aspiration Zero credit card has a $60 annual fee.

Aspiration Zero Card Aspiration Zero Card Apply Now

Conclusion

With the Aspiration Zero credit card, you can plant up to 2 trees with every purchase. The card rewards you with 1% cash back in months when you go carbon-neutral by planting at least 60 trees. The card is still in an early access phase, so for now you’ll need to sign up for the waitlist to be notified when the Zero card launches.

Methodology

This review was completed using information from the Aspiration Zero website and The Motley Fool.

Disclaimer

*Terms and conditions apply. To qualify for this one-time $300 statement credit bonus offer, Cardholders must make net qualifying purchase(s) (minus returns and other adjustments) of $3,000 or more with their Aspiration Zero Credit Card within 90 days of account opening. Maximum of one $300 statement credit bonus offer per person. This offer is valid to approved Cardholders until 11:59 p.m. EST 3/31/2022. Statement credit will be applied to the next billing cycle after net purchase qualification threshold is met within the first 90 days of account opening. Your Aspiration Zero Credit Card account must remain open and be in good standing at the time when the one-time statement credit bonus offer is awarded in order to qualify.


Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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