Get the most updated Aspiration promotions, bonuses and rates here.
Currently, Aspiration is offering a wide range of promotions including the $100, $150, $200 bonus and 1.00% APY, given you have met the requirements for either.
Table of Contents
- 1 About Aspiration
- 2 Aspiration $150 Checking Bonus
- 3 Aspiration Plus $200 Checking Bonus
- 4 Aspiration $100 Checking Bonus
- 5 Aspiration Plus Spend & Save 1.00% APY
- 6 How To Earn 1.00% APY
- 7 Aspiration $50 Bonus + 25 Planted Trees
- 8 Earn 10% Cash Back On All Purchases (Expired)
- 9 Aspiration $1,000 Bonus *Expired*
- 10 How to Earn $1,000 Bonus
- 11 Bottom Line
About Aspiration
Being a online-focused financial institution that offers superior rates in combination with low fees, Aspiration has been catering to the needs to millions since 1997. Additionally, Aspiration will donate 10% of every dollar their customers choose to pay to charities in order to help struggling Americans build a better life.
- Availability: Nationwide
- Routing Number: 125108997
- Customer Service: 800-683-8529
With access to a fantastic Savings Rate as well as Investing Products, you are able to take charge of your finances!
Compare Aspiration offers with other bank promotions from institutions like Chase, Huntington, HSBC, TD, Bank of America, Discover, and more!
Aspiration $150 Checking Bonus
Aspiration is offering a $150 bonus when you open a new qualifying checking account.
- Account Type: Aspiration Account
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Opening Deposit: $10 minimum
- Credit Card Funding: Unknown
- Direct Deposit Requirement: No
- Monthly Fee: Pay What Is Fair even if it’s $0
- Household Limit: None listed
- Closing Account Fee: None listed
(FDIC Insured)
How to Earn $150 Bonus
Customer must complete the following activities:
- Open and fund an Aspiration Spend & Save Account with a deposit of $10 or more, and
- Use their Aspiration debit card to make at least $1,000 worth of cumulative transactions within the first 60 calendar days from account opening.*
*$1,000 transaction minimum refers to net purchases (purchases minus any credits or returns).*
- Debit card with cash back on every dollar spent
- Free access to every ATM in the world
- Up to 1.00% APY on savings
- Your deposits are FDIC-insured
- Extra cash back for spending at socially-conscious businesses
- Spend & Save Aspiration Plan: Pay What Is Fair even if it’s $0
- Offer is only valid for customers who open a new Aspiration Spend & Save Account or Aspiration Plus Account.
- Offer tiers are as follows: $150 credit for customers who open a standard Aspiration Spend & Save Account, or $200 for customers who enroll into Aspiration Plus either during account sign up, or no later than 60 days from account opening, and continue to be enrolled in Aspiration Plus through the date of credit.
- $1,000 transaction minimum refers to net purchases (purchases minus any credits or returns).
- Allow up to 120 calendar days from account opening for the $150 or $200 offer credit to post to your Aspiration Account.
- Aspiration Account must be open and in good standing, in the sole determination of Aspiration, through the date of the credit.
- Promotion is ongoing and valid. Secondary owner joining an already established account as a joint user does not qualify for promotion.
- Aspiration Plus is a paid service, with monthly or annual fee options.
- All applicable account terms, fees, and charges are subject to change.
- This offer may be modified or withdrawn at any time and without notice.
- Customer is responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities, if required by applicable law.
- Customer should consult a tax advisor.
Aspiration Plus $200 Checking Bonus
Aspiration is offering a $200 bonus when you open a Plus Spend & Save account. You can earn 1.0% APY up to $10K per month when you spend $1,000 or more with your debit card.
- Account Type: Aspiration Plus Account
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Opening Deposit: $10 minimum
- Credit Card Funding: Unknown
- Direct Deposit Requirement: No
- Monthly Fee: $7.99/mo or $5.99/mo if you pay annually
- Household Limit: None listed
- Closing Account Fee: None listed
(FDIC Insured)
How to Earn $200 Bonus
Customer must complete the following activities:
- Open and fund an Aspiration Plus Spend & Save Account with a deposit of $10 or more, and
- Use their Aspiration debit card to make at least $1,000 worth of cumulative transactions within the first 60 calendar days from account opening.*
*$1,000 transaction minimum refers to net purchases (purchases minus any credits or returns).*
- Debit card with cash back on every dollar spent
- Free access to every ATM in the world
- Up to 1.00% APY on savings
- Your deposits are FDIC-insured
- Extra cash back for spending at socially-conscious businesses
- Spend & Save Aspiration Plus: $7.99/mo or $5.99/mo if you pay annually
- Offer is only valid for customers who open a new Aspiration Spend & Save Account or Aspiration Plus Account.
- Offer tiers are as follows: $150 credit for customers who open a standard Aspiration Spend & Save Account, or $200 for customers who enroll into Aspiration Plus either during account sign up, or no later than 60 days from account opening, and continue to be enrolled in Aspiration Plus through the date of credit.
- $1,000 transaction minimum refers to net purchases (purchases minus any credits or returns).
- Allow up to 120 calendar days from account opening for the $150 or $200 offer credit to post to your Aspiration Account.
- Aspiration Account must be open and in good standing, in the sole determination of Aspiration, through the date of the credit.
- Promotion is ongoing and valid. Secondary owner joining an already established account as a joint user does not qualify for promotion.
- Aspiration Plus is a paid service, with monthly or annual fee options.
- All applicable account terms, fees, and charges are subject to change.
- This offer may be modified or withdrawn at any time and without notice.
- Customer is responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities, if required by applicable law.
- Customer should consult a tax advisor.
Aspiration $100 Checking Bonus
Aspiration is offering a $100 bonus when you open a new qualifying checking account.
- Account Type: Aspiration Account
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Opening Deposit: $10 minimum
- Credit Card Funding: Unknown
- Direct Deposit Requirement: No
- Monthly Fee: Varies by account
- Household Limit: None listed
- Closing Account Fee: None listed
(FDIC Insured)
How to Earn $100 Bonus
Customer must complete the following activities:
- Open and fund an Aspiration Spend & Save Account with a deposit of $10 or more, and
- Use their Aspiration debit card to make at least $1,000 worth of cumulative transactions within the first 60 calendar days from account opening.*
*$1,000 transaction minimum refers to net purchases (purchases minus any credits or returns).*
- Debit card with cash back on every dollar spent
- Free access to every ATM in the world
- Up to 1.00% APY on savings
- Your deposits are FDIC-insured
- Extra cash back for spending at socially-conscious businesses
- Spend & Save: Varies by model, so you pay for what you want
- Offer Terms and Conditions: Offer is only valid for customers who open a new Aspiration Spend & Save Account.
- Secondary owner joining an already established account as a joint user does not qualify for promotion.
- Allow up to 120 calendar days from account opening for the $100 offer credit to post to your Aspiration Spend & Save Account.
- Aspiration Spend & Save Account must be open and in good standing, in the sole determination of Aspiration, through the date of the credit. Promotion is ongoing and valid as of 8/13/2020.
- All applicable account terms, fees, and charges are subject to change. This offer may be modified or withdrawn at any time without notice.
- Customer is responsible for any federal, state, or local taxes due on the bonus and we will report as income to the tax authorities, if required by applicable law. Customer should consult a tax advisor.
Aspiration Plus Spend & Save 1.00% APY
Earn a 1.00% APY with a Spend & Save Account from Aspiration
Residents nationwide can earn a 1.00% APY from Aspiration when you sign up for a new Plus Spend & Save Account and spend $1,000 or more per month.
- Interest Rate: 1.00% APY
- Minimum Balance: None
- Maximum Balance: $10K
- Expiration Date: None
- Credit Inquiry: Soft pull
- Opening Deposit: $10
- Credit Card Funding: Unknown
- Direct Deposit Requirement: None
- Monthly Fee: None
- Early Termination Fee: None
- Insured: FDIC
(FDIC Insured)
How To Earn 1.00% APY
- Open a new Aspiration Plus Spend & Save Account.
- Make a deposit of $10 minimum
- Get your debit card in 7 to 10 business days.
- To earn 1.00% APY on Aspiration Save Account balances in any calendar month
- Customer must be enrolled in Aspiration Plus and spend $1,000 or more, monthly, with their Aspiration debit card.
- Debit card with cash back on every dollar spent
- Free access to every ATM in the world
- Up to 1.00% APY on savings
- Your deposits are FDIC-insured
- Extra cash back for spending at socially-conscious businesses
- No hidden fees! Pay Aspiration a monthly fee you think is fair
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | ? | $5,000 | ? | Min $1 |
| Pull | ? | $5,000 | ? | None |
Editor’s Note: Help us with the table above in the comment section if you have experience with ACH capabilities.
Aspiration $50 Bonus + 25 Planted Trees
Earn a $50 referral bonus and 25 planted trees from Aspiration.
Aspiration is offering a $50 referral bonus and 25 planted trees whenever they refer to their friend or family member to join.
- Opening Deposit: $10
- Credit Card Funding: Unknown
- Direct Deposit Requirement: None
(FDIC Insured)
How to Earn $50 Bonus + 25 Planted Trees
- Current Customer/Referrer:
- Refer a friend or family member to Aspiration.
- Have your friend open an account with Aspiration.
- To receive the 25 tree planting per successful referral, all related accounts must be open and in good standing
Earn 10% Cash Back On All Purchases (Expired)
Earn 10% Cash Back On All Purchases
If you are an Aspiration cardholder, you might want to start using it more often. Currently, they are offering 10% cash back on all purchases made until September 30, 2020. To take advantage of this promotion, simply use your card at least 10 times.
- What’s the offer: Earn 10% Cash Back On All Purchases
- Where it’s available: Aspiration cardholders
- When it expires: September 30, 2020
- How to get it: Make at least 10 purchases with your Aspiration card to get 10% cash back on all purchases
- What are the terms: Offer only applies to the original recipient of this email and is non-transferable. Between 12:01 a.m. Pacific Time 8/19/2020 and 11:59 p.m. Pacific Time 9/30/2020, customer must make 10 transactions which go on to settle, using their Aspiration debit card (“Qualifying Activity”). Once customer has completed the “Qualifying Activity,” they will begin earning 10% cash back on further debit card purchases (up to maximum $250 transaction total) made until 11:59 p.m. Maximum cash back that may be earned through the promotion is $25.
Aspiration $1,000 Bonus *Expired*
Earn a $1,000 when you open a Spend & Save account!
- Account Type: Spend & Save Account
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Opening Deposit: $10,000
- Credit Card Funding: Unknown
- Direct Deposit Requirement: None
- Monthly Fee: None
- Household Limit: None listed
- Closing Account Fee: None listed, check with CSR for more information
(Expired)
How to Earn $1,000 Bonus
- Aspiration is offering a bonus of up to $1,000 when you open a new Spend & Save account by July 31st, 2019.
- Maintained until September 30th, 2020.
| Transfer Amount | Bonus Amount |
| $20,000 | $100 |
| $40,000 | $200 |
| $60,000 | $300 |
| $80,000 | $400 |
| $100,000 | $500 |
| $120,000 | $600 |
| $140,000 | $700 |
| $160,000 | $800 |
| $180,000 | $900 |
| $200,000 | $1,000 |
- Unlimited Cash Back Rewards
- Zero ATM Fees
- Bill Payment
- Snap Deposit
- Apple and Android Pay
- Phone Protection
- Offer only applies to the original recipient of this letter and is non-transferable
- New account must be created with recipient’s current or previous Aspiration account e-mail address
- Offer is not valid with internal transfers
- Eligible funding amount must be matained in the qualifying account through 11:59 PM pacific on 09/30/2020
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Bottom Line
With a wide variety of Aspiration promotions to choose from, you are able to get one step ahead towards a better financial future. The Spend & Save Account not only offers one of the best rates available, but being a Soft pull will have no impact on your credit! With that said, I would definitely recommend taking advantage of either of the promotions above.
At the end of the day, your feedback is highly appreciated and makes our site even better! Please comment below if you have experience banking with Aspiration.
Check back often for the latest Aspiration promotions, bonuses, and offers!
I did this on January 14th and still no bonus. When I call they tell me I need the email and name of the person that referred me so they can send it for review.
I’ve been a customer of Aspiration for a short period of time & I LOVE IT!!! Thank you for the opportunity of being a part of something great & rewarding!!!
My employer won’t take aspiration’s routing number because they are a new bank so this is becoming a hassle. has anyone received the bonus by using a bank to bank transfer?
No hard pull and funding from bank account only for initial deposit.
Greetings Dee,
Thanks for commenting and letting us know.
Update. Account had to go manual review after I confirmed the bank verification deposits due to freeze on Equifax.