Does Aspiration Debit Card Give You Cash Back?

Get Cash Back Does Aspiration Debit Card Give You Cash Back?

Does Aspiration Debit Card Give You Cash Back?

Headquartered in Marina del Rey, Aspiration is a personal finance company that offers a debit card with cash back rewards. This is unusual as normally it is credit cards that offer cash back rewards. If you're looking to help your hard-earned dollars go further, keep reading to learn everything you need to know about the Aspiration debit card cash back rewards. 

Once we've delineated how you can take advantage of this card on your own, we will advise you on how you can use DoNotPay to do it quickly and easily. We'll wrap up by advising you on other ways DoNotPay can improve your life, such as learning whether you can get cash back with Apple Pay or what the best cash back apps are to help you stretch your dollars even further.

Aspiration Debit Card Cash Back Rewards Summary

You can get up to 10% cash back when you use your Aspiration debit card to make purchases at businesses that are socially responsible. With that being said, you have to upgrade to Aspiration Plus to get 10% cash back on socially responsible purchases. Otherwise, you will only get 3 to 5% cash back on purchases made at select businesses, such as:

  1. Blue Apron
  2. TOMS
  3. Imperfect Foods
  4. Arcadia Power
  5. SEATOPIA

How Much Is Aspiration Plus?

Aspiration Plus membership costs $7.99 per month, but you must pay for a full year at once if you want to pay $5.99 per month. Put another way, you will be billed $71.88, but you will start earning such benefits as:

  • Up to 5% APY on the account balance you have in savings
  • 10% cash back on Conscience Coalition purchases
  • An eco-friendly debit card

Is Aspiration Plus Worth It?

Whether Aspiration Plus is worth it depends on how much you spend and how much you have in your savings account. If you are an Aspiration member, you decide what your monthly fee is. You can even decide to pay $0 per month. This will save you between $71.88 and $95.88 per year ($7.99 per month) in banking fees.

That said, Aspiration Plus savings accounts earn 5% APY on the first $10,000 in savings while Aspiration savings accounts earn only 3% APY on the first $10,000 in savings. If you have $10,000 in an Aspiration savings account, you could get an extra $200 per year if you opted for the Aspiration Plus membership. Even if you had your membership billed monthly, you would still net an extra $104.12 per year.

To help you decide whether Aspiration Plus is worth it, here's a summary of some of the differences between the two membership types.

ProgramAspirationAspiration Plus
Coverage for purchased items that are stolen or damaged within 90 daysNoYes
Monthly out-of-network ATM fee reimbursementNoYes
Automatic climate impact offsets when you drive your caNoYes

“How Much Would I Have to Spend to Make the Aspiration Debit Card Rewards Worth It?”

Let's say you pay for your Aspiration Plus membership upfront for one year.

  • Your annual membership fee will be $71.88, and you will get 5 to 7% more cash back when you make Conscience Coalition purchases.
  • Since each Conscience Coalition purchase is rewarded with 10% cash back, you will only need to make $718.80 in purchases to make back your upgraded membership fee.
  • To get $71.88 in cash back without the upgraded membership, you would need to spend between $1,437.60 and $2,396.

If you plan on spending more than $718.80 per year with socially responsible businesses, you will probably find upgrading your account worth it, especially due to all of the other benefits of an upgraded membership.

How to Use DoNotPay to Take Advantage of Aspiration Debit Card Cash Back Rewards

It isn't too easy to take advantage of the Aspiration debit card cash back rewards on your own. On the other hand, you can use DoNotPay to rack up your rewards quickly and easily in just three steps.

  1. Search for Cash Back on the DoNotPay website.

     

  2. Kick-off the process to find the right app or website for you.

     

  3. Answer some specific questions so that we can help you start making money!

     

That's it! Only three simple steps stand between you and getting rewarded for using the Aspiration debit card. With that being said, taking advantage of Aspiration debit card cash back rewards is not the only thing that DoNotPay can help you with. For instance, you can use DoNotPay if you want to:

Get Citi cash back card rewardsTake advantage of Discover It cash back rewards
Find the best cash back credit cards for your unique financial goalsFind out how much cash back you can get at Walmart
Learn about how cash back works on credit cardsDiscover what exactly cash back is
Get the lowdown on Apple Card's cash back policyLearn how to get money back from PayPal

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