Is the Aspiration Zero Card a good first time credit card? This question is about the Aspiration Zero

No, the Aspiration Zero Card is not a good first-time credit card because it is only available to people with good credit or better. People who’ve never owned a credit card are unlikely to get approved unless they’ve built good credit through other means. There are plenty of good first-time credit cards on the market, though. Best First-Time Credit Cards Overall: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn MoreStudents: Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn MoreCash Back: Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn Moreon issuer's websiteBest Rewards: Capital One QuicksilverOne Cash Rewards Credit CardCapital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn MoreNo Credit Check: OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website You can learn more about the best first-time credit cards on WalletHub.

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Is the Aspiration Zero Card a good first time credit card?

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This question is about the Aspiration Zero

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Chip Lupo, Credit Card Writer

@CLoop • 09/09/22 This answer was first published on 09/09/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No, the Aspiration Zero Card is not a good first-time credit card because it is only available to people with good credit or better. People who’ve never owned a credit card are unlikely to get approved unless they’ve built good credit through other means. There are plenty of good first-time credit cards on the market, though.

Best First-Time Credit Cards

Overall: Capital One Platinum Credit CardCapital One Platinum Credit CardLearn MoreLearn More
Students: Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn More
Cash Back: Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn Moreon issuer's website
Best Rewards: Capital One QuicksilverOne Cash Rewards Credit CardCapital One QuicksilverOne Cash Rewards Credit CardLearn MoreLearn More
No Credit Check: OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website

You can learn more about the best first-time credit cards on WalletHub.

Answer Question

How much is the Aspiration Zero annual fee?

The Aspiration Zero annual fee is $60 per year. Aspiration Zero’s $60 annual fee is higher than the average annual fee among new credit card offers right now. It’s not the only fee you need to worry about with the Aspiration Zero, either.

Aspiration Zero Fees

Annual Fee: $60
Cash Advance Fee: 5% (min $10)... read full answer

Foreign Fee: 2%

Balance Transfer Fee: 3% (min $5)

Max Late Fee: $10

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Is the Aspiration Zero a Visa or Mastercard?

The Aspiration Zero is a Mastercard, not a Visa. You can use your Aspiration Zero at nearly 11 million merchants that accept Mastercard nationwide, and you can use it abroad in more than 200 countries and territories.

There are a few differences between Visa and Mastercard credit cards, such as the network-level benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including ... read full answer extensive worldwide acceptance. As a result, it’s more worthwhile to compare individual credit card offers than to focus on getting a card from a particular network.

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What kind of credit card is good for beginners?

The kind of credit card that is good for beginners is either an unsecured or a secured card with annual fees as low as $0 and high approval odds. It’s worth noting that some of the best credit cards for beginners even offer rewards.

The card you’re going to pick should also report monthly to the ... read full answer major credit bureaus so that you can build your credit.

Best Credit Cards for Beginners in 2023

Capital One Platinum Credit Card : Overall

Petal® 2 Visa® Credit Card : Rewards & No Annual Fee

Capital One QuicksilverOne Cash Rewards Credit Card : Cash Back

OpenSky® Secured Visa® Credit Card : No Credit Check

Capital One SavorOne Student Cash Rewards Credit Card : For Students

You can also take a look at our editors’ latest picks for the best starter credit cards on the market to see which one suits your needs better.

Ultimately, please note that as long as you remember to pay your bill on time and in full every month, you will be able to gradually build credit. And within a few years, you could qualify for one of the market’s best overall credit cards.

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