Aspiration Spend & Save™ - Find Me a Card

Aspiration Spend & Save™

This socially-conscious debit card offers up to 5% cash back on purchases with no annual fee, making it a good choice for people with a bad credit score. (All credit scores are considered.)

Your total savings: $12 over the next 5 years

View reward details
Credit Score Required:
Bad (<580)
Coastal Community Bank

Rewards & Perks

Reward Highlights

  • 5% cash back on "Conscience Coalition" purchases with the Aspiration debit card, or 10% cash back on "Conscience Coalition" purchases if you're an Aspiration Plus member. (The "Conscience Coalition" includes companies like TOMS, Warby Parker, and Blue Apron.)

Other Rewards & Perks

  • Option to plant a tree with every "roundup".
  • A "personal impact score" to help you shop to match your values. (See how the companies you spend with score on their treatment of employees and the environment, every time you log in to your account.)
  • Deposits won't fund fossil fuel exploration or production.
  • If you pay to upgrade to the Aspiration Plus debit card ($7.99/month, or $5.99/month if you pay annually), the rewards and benefits get even better, such as: $200 signup bonus, 1% APY (interest per year) on your savings balance, and up to 10% (instead of 3-5%) cash back on "Conscience Coalition" purchases.

Special Signup (Promo) Rewards & Perks

  • No signup bonus.
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Rates & Fees

Summary of Rates & Fees

  • No annual fee.

Annual Fee: $0

User Ratings & Reviews

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Other Info

Official Card Description (from card issuer)

  • Earn cash back on debit card purchases and up to 83x the national interest rate on savings
  • Choose a monthly fee you think is fair
  • Aspiration Spend and Save account does not include a credit card
  • Spend and save with fossil fuel-free deposits
  • Fee-free ATM withdrawals at 55,000+ Allpoint ATMs
  • Cash back on debit card purchases at socially conscious businesses
  • Up to 5.00% in interest on savings with Aspiration Plus
  • Option to plant a tree with every roundup
  • Personal impact score to help you shop to match your values

Disclaimer: The Aspiration Save Account’s up to 5.00% Annual Percentage Yield (“APY”) with up to 83x the national interest rate is variable, subject to change, and only available to customers enrolled in Aspiration Plus after conditions are met. Customers not enrolled in Aspiration Plus receive 3.00% APY after conditions are met. Terms & FAQ. The Aspiration Spend & Save Accounts are cash management accounts offered through Aspiration Financial, LLC, a registered broker-dealer, Member FINRA/SIPC, and a subsidiary of Aspiration Partners, Inc. (“Aspiration”). Aspiration Financial LLC is unaffiliated with any other named entity. Aspiration is not a bank.

Date Introduced: 2019-02-19

Date Last Updated: 2022-04-28

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