Welcome to Aspiration Plus

We’ve always enabled Aspiration customers to do more with their money - for themselves and for the planet.

We’re now unveiling Aspiration Plus, a new way to give Aspiration customers even more financial and planet-friendly benefits, all for just pennies a day.

Upgrading to Aspiration Plus means a lot more for you — and for the planet:

Get a Sleek, New Debit Card—It looks great, and it's partially made using upcycled ocean-bound plastic.

Boost Your Savings — Earn up to 1.00% APY(1) interest on your Save Account.

Get Extra Cash Back(2) — Earn 10% cash back at mission-focused Conscience Coalition merchants like TOMS, Warby Parker, and more.

Neutralize Your Drive(3) — Aspiration Plus includes Planet Protection, which means we’ll retire carbon credits based on your gas purchases.

Pay fewer ATM fees(4) — Get one out-of-network ATM fee reimbursement every month (along with paying 0 ATM fees at any of the Allpoint network’s more than 55,000 ATMs around the world). With just this one benefit, Aspiration Plus pays for itself.

As before, customers can continue to rely on Aspiration to help them do better for themselves and the world – with exclusive features including Aspiration Impact Measurement (AIM)(5) business and personal impact scores to help them shop to save the planet, Pay What Is Fair contributions(6), cash back on every purchase, Plant Your Change round ups to fund tree planting, and our commitment to ensure customer deposits don’t fund fossil fuel projects like pipelines and oil drilling(7).

  1. The Aspiration Save Account’s up to 3.00% Annual Percentage Yield (“APY”) with up to 9x 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 1.00% APY after conditions are met. Terms & FAQ.
  2. Aspiration’s Cash Back program is subject to change at any time and without notice, including reversal of rewards for abuse, fraud, and other illicit activity. Cash Back rewards are generally credited on the first day of each calendar month. For additional Cash Back details, click cashback on purchases & Conscience Coalition.
  3. Planet Protection offsets the estimated CO2 emissions from driving your vehicle based on purchases at gas stations. Verified carbon offsets are purchased quarterly, in aggregate, to account for estimated emissions from all Planet Protection subscribers. This feature is bundled into the Aspiration Plus program and is not offered as a standalone feature that can be purchased separately.
  4. ATM use is free and unlimited, at Allpoint ATMs only. Transaction amount caps may apply. ATMs not included in the Allpoint network are considered out of network and customers may be charged a fee from that third-party ATM provider. Allpoint ATMs can be found via our ATM Locator here. Customers enrolled in Aspiration Plus may receive one out-of-network ATM fee reimbursement per month. Please note, there is also a foreign transaction fee of one percent that is not waived when using foreign ATMs, which will be included in the amount charged to your account.
  5. The Aspiration Spend & Save Account provides customers with the ability to see Aspiration Impact Measurement (AIM) People and Planet scores on a range of merchants where they shop using the Aspiration Debit Card. These scores are determined using independent third-party data last updated in August 2022, which ranks each merchant based on environmental, social, and (corporate) governance measurements, that are then aggregated by Aspiration and help to derive a People and Planet Score. For more info, please click here.
  6. Aspiration Partners, Inc. and its affiliates are committed to "All Extra Services Provided at Cost," meaning that we'll only charge you what it costs us to provide the extra service (such as a wire transfer), and not a penny more. Besides these at-cost service charges, the only account contribution you pay is the contribution you choose, even if it’s $0, which is why we call it Pay What Is Fair (PWIF). Proceeds from the PWIF program are recorded monthly in aggregate and donations are made to nonprofit partners selected by Aspiration within 12 months. For a list of service charges, click here.
  7. Aspiration’s Program Banks have formally committed that customer deposits will not be used for lending to oil and gas exploration, production or transportation, or coal mining.