Aspiration’s entry-level CMA is simply titled Aspiration. You can pay what you think is fair for the service, even if this is nothing. You must deposit at least $10 to open an Aspiration CMA. You can earn up to 3% APY on the first $10,000 held in this account if you spend $1,000 monthly on your Aspiration debit card. Balances over $10,000 attract an APY of 0.10%.
You can earn 3-5% cashback on your Aspiration Debit card by spending with one of the 28 companies that form the Conscience Coalition. Eligible companies are displayed on Aspiration’s website, and this further adds to Aspiration’s mission statement to operate ethically.
Aspiration Plus costs $7.99 a month, or $5.99 equivalent if you pay in one lump sum. These payments offer a significant benefit. Aspiration Plus debit card holders can earn an APY of 5% if they spend over $1,000 on their Aspiration card, which is an exceptional APY in today’s financial environment. Additionally, money spent with Conscience Coalition companies can earn 5-10% cashback.
|Account Type||Key Features||Bonuses|
|Aspiration||Up to 3% for first $10,000 with min spend of $1,000/month, 0.10% after|
|Aspiration Plus||Up to 5% for first $10,000 with min spend of $1,000/month, 0.10% after|