Aspiration Credit Cards

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

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.

Yes, the Aspiration Zero is a cash back credit card, which gives 0.5 - 1% cash back on purchases and has an annual fee of $60. The Aspiration Zero Card also offers an initial bonus of $300 for spending $3,000 in the first 3 months after account opening. Once you earn cash back on your Aspiration Zero Card, you can redeem it for a statement credit or planting trees at $1 per tree.

If you're on the fence about whether or not to apply for the Aspiration Zero Card, you can always check out WalletHub's picks for the best cash back credit cards from various issuers. It's good to consider multiple cash back credit card options before submitting an application.

The Aspiration Zero reports to the credit bureaus monthly, within days after the end of a cardholder's monthly billing period. The Aspiration Zero card reports the card's credit limit, account balance, payment history, and more to all three of the major credit bureaus: Experian, TransUnion, and Equifax. Beneficial State Bank may use a specific credit bureau more than another, depending on the applicant's home state, and other factors.

Once the Aspiration Zero card reports your account information to a credit bureau, it may take a few days before the updates appear on your credit report. New Aspiration Zero cardholders may not see any new credit account info on their credit report for one or two billing periods after getting a card.

If you'd like to review your up-to-date credit score and TransUnion credit report, you can sign up for a free account on WalletHub. That way, you'll be able to check every day to see if there's any new information about Aspiration Zero on your credit report.

No, the Aspiration Zero Card does not have travel insurance. While the Aspiration Zero Card does have benefits such as Mastercard ID theft protection and zero fraud liability, travel insurance is not among the card's perks. This is because the Aspiration Zero Card is made for people who who care more about helping the environment than maximizing savings.

If you're looking for a travel credit card, check out WalletHub's recommendations for the best credit cards for travel insurance and travel rewards. Before picking a card, also be sure to check your credit score for free on WalletHub so that you know which cards you'll be able to qualify for.