Aspiration Zero Credit Card

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Last updated on October 27th, 2022

Aspiration Zero Credit Card

Plant Trees with Every Purchase

Aspiration Zero Credit Card
  • Regular Purchase APR 15.40% to 25.20% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.40% to 25.20% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 22.00% to 26.00% variable based on creditworthiness and the Prime Rate
  • Annual Fee $60
  • Credit uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • Plant a tree with every purchase
  • Reach carbon neutral and earn 1% cash back for every purchase in that billing period
  • Sustainable card design, made with plant-based materials
Rates & Fees
  • Regular Purchase APR: 15.40% to 25.20% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 15.40% to 25.20% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 22.00% to 26.00% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Annual Fee: $60
  • Foreign Transaction Fee: 2% of each transaction in U.S. dollars
  • Late Payment Penalty Fee: Up to $10
  • Return Payment Penalty Fee: Up to $35
Deals and Discounts

At a Glance

The Aspiration Zero Mastercard is a fintech credit card that strives for carbon neutrality. Like the Aspiration Debit Card, the Zero offers the chance of cash back rewards and tree planting for every purchase made – for a $60 annual fee.

Ideal for Those Who:

  • Are passionate about saving the planet
  • Want to plant a tree with every eligible card purchase
  • Plan on using the card at least once per day, on average

Aspiration Zero Credit Card Review

The Aspiration Zero is a credit card with a difference. The card works exactly like any other credit card but can help users reduce their carbon footprint with regular use.

Aspiration Zero achieves its lofty goals by planting one tree for every purchase made with the card. Make a purchase – and plant a tree – every day, and Aspiration can help the cardholder reach carbon-neutral status. Getting carbon neutral status entitles the cardholder to 1% cash back on all purchases, with this cash back reward payable every eligible month.

Introductory Bonus

The Aspiration Zero offers far more than basic cash back and the prospect of carbon neutrality. The card also comes with a decent sign-up bonus of $300 back after spending at least $3.000 on purchases within the first three months of opening an account. The sign-up cash back offer isn’t spectacular but provides an additional nudge to those on the fence about getting the card – especially as it amounts to 10% cash back on your first $3,000 in spending.

Sustainability Built-In

Aspiration’s commitment to sustainability extends far beyond merely planting trees. The card itself is sourced from sustainable materials, and the physical Aspiration Mastercard is sourced entirely from plant-based material and not plastic. This construction helps the consumer feel good knowing that they are planting trees, earning cash back, and breaking the cycle of creating plastic waste.

Aspiration Zero's plant-based card design

Competitive Rates and Fees

The interest rates with Aspiration Zero are competitive with other cash back cards on the market. The APR with the card starts at around 12%, which is significantly lower than the average APR for a cash back credit card. The card features an annual fee of $60. This yearly charge may also be off-putting, but given a chance to plant 60 trees or more every month, it’s worth it for those who have an eye on conservation.

Other Card Features

Other notable features of the Aspiration Zero Mastercard include:

  • Zero Fraud Liability
  • Mastercard ID Theft Protection
  • Monthly reporting to all the major credit bureaus
  • Apple Pay and Google Pay compatibility
  • EMV chip and contactless payment technology
  • Aspiration mobile app to track carbon footprint
  • 2% foreign transaction fee

FAQs About Aspiration

Here are answers to frequently asked questions about the Aspiration Zero Card:

  • Any US Citizen or permanent resident age 18 or over with a Social Security Number and checking or savings account can apply. The minimum to open an Aspiration Account is $10. Signing up online is easy, and our application takes less than five minutes to complete. Click here to get started now.
  • If you are enrolled in Aspiration Plus, you earn 10% cash back on purchases by using your Aspiration debit card at businesses that are members of the Conscience Coalition. There are no limits on how much cash back you can earn.

Aspiration Availability

Aspiration credit, debit, and checking products are available in all 50 U.S. states plus the District of Columbia (DC).

Aspiration Credit Card Ratings

How does the Aspiration Mastercard stack up? Here are a selection of expert reviews for the card:


User Rating


User Testimonials

What is the Aspiration Card like to live with? Before deciding if the card is right for you, here’s what our readers and members think about the card:

Cassie C.
Cassie C.BestCards Reader
Read More
Very helpful and responded fast.
oSCARBestCards Reader
Read More
This is the best online banking ive ever used. I recomend it to everyone. I especially like how their main focus is to help the earth to keep it a green earth. Thanks Aspiration. I am a customer from California and this message comes from my heart and is true.

Should You Apply for the Aspiration Zero Mastercard Credit Card?

Overall, Aspiration sets lofty goals of carbon neutrality – goals it mostly meets. The card provides 1% cash back on all purchases after the cardholder reaches carbon neutrality for the billing period – which Aspiration equates to one purchase per day. This goal is very achievable, especially when considering that the company will plant trees for those purchases.

The $60 annual fee might be off-putting to some, especially given the basic rewards, but that charge is justified for those who care about reaching carbon neutral. Each month, reaching that status results in roughly 60 trees being planted, meaning each cardholder can plant over 700 trees every year.

Ultimately, Aspiration Zero offers enough to justify an application for those with excellent credit, a passion for helping the environment, and a desire to earn cash back with every purchase. Other popular no annual fee options include the Citi® Double Cash Card – 18 month BT offer (unlimited 2% back), WF Active Cash (also 2% back) and the Citi Custom Cash℠ Card.


The information related to Citi Custom Cash Card and Citi Double Cash has been collected by and has not been reviewed or provided by the issuer or provider of this product or service.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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