Aspiration Credit Cards

You cannot check for Aspiration Zero pre-approval. Aspiration does not offer pre-approval through its website, so anyone interested in applying for the Aspiration Zero Card will have to do so without the benefit of checking for pre-approval beforehand.

You can, however, use WalletHub's CardAdvisor tool instead and learn how easy it is to find the right credit card for you. Just answer a few general questions, and based on your responses, CardAdvisor will provide you with some recommended credit card offers.

The Aspiration Zero Credit Card credit limit is usually around $12,000 to start, according to forum posts, and some cardholders report limits as high as $40,000. Aspiration does not include any specific Aspiration Zero credit limit information in the card's terms, though.

For the most part, Aspiration Zero credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.

That said, the Aspiration Zero Card credit limit that you start with isn't necessarily your credit line forever. You can ask to get a credit limit increase by calling the Aspiration customer service number on the back of your card, but it's best not to ask more than once a year.

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)
• Foreign Fee: 2%
• Balance Transfer Fee: 3% (min $5)
• Max Late Fee: $10

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

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

The Aspiration Zero is not a metal credit card, as it is made of plastic like most other credit cards. There's no functional difference between a plastic card like the Aspiration Zero Card and a metal credit card, though, so don't dismiss the Aspiration Zero Card just because it isn't metal. If you like the card's terms and benefits, you should still consider applying.

Metal credit cards are usually expensive luxury cards. Some popular examples of metal credit cards are the Capital One Venture Rewards Credit Card, Chase Sapphire Preferred® Card and American Express® Gold Card.