You are what you buy, but also what you buy it with
Non-GMO, organic, carbon neutral, sustainable, recycled, charity partnered, on the streets, at the voting booth, cruelty-free. The world needs your help right now and you are doing everything you can with every purchase you make to help – while still working on being more mindful, demanding equal rights in the workplace and the sexual place, not passing on the biased tendencies of the generation before you to the generation after you, being anti-racist, pro-spending trillions of our children’s dollars to (hopefully not too wastefully) save our collective butts right now.
And yet you are still committing one act, one impossible-to-drop-from-your-life act, that could make a world of difference. You are spending your hard earned money with a debit card that isn’t from Aspiration.
To be clear, Aspiration is just a mobile financial app. It is not, we repeat, not, going to turn you into Captain Planet™. You still have to do all that stuff in the first paragraph. BUT, it is going to turn every purchase and savings decision into a good one.
First of all, it shouldn’t have to cost you money to do good in the world, if you do it right. And that’s what Aspiration’s founder, Andrei Cherny, said when he dreamed up his company in 2014. Aspiration evaluates mutual fund companies across three categories--social, environmental, and governance programs--and will choose to work with them only if they have committed to more employee training to reduce safety violations on site, reducing their carbon emissions, or increasing gender diversity at the board level. And if you use their credit card, every swipe, yes that’s right, every swipe generates a credit for one tree planting.
We all get that nagging feeling every time that we do basically anything with commerce, that we’re feeding a giant beast, but we do it because that’s just how money and exchanging stuff works. But can you honestly think of a better way to take care of your money than with an account at Aspiration that take also takes care of the planet? And even when this bank does make money, you do too. Spend $1000 by July 15th and you’ll get 10% ($100) of it back. They don’t even have set fees, just pay what you feel is right!
We here at Joy Wallet have one mission, which is so important to us, it’s literally our name. Joy Wallet’s mission is to bring joy into everyone’s wallet, make that wallet an enjoyable tool to get the most out of life, and make what you spend your hard earned money on, worth it. We are extra humbled to have found a partner like Aspiration. A company that wants to ensure money lives up to its own ideals.
They say they didn’t set out to build a bank, they set out to build a better world. That’s why they invest in you with that $100 thank you. And why they empower you by making every swipe of your card another tree planted in the ground. And why they commit to you with a savings account that has 11x better interest than the average bank. And why they put their trust in you with their fee by asking you to “Pay What Is Fair, even if that means zero.” And why they work so hard to find ways to reward you for swiping the right way with up to 10% cashback on purchases while at the same time donating 10% of their own profits (the same profits based on how much you choose to pay them) to charities helping struggling Americans build a better life.
By these acts alone, Aspiration is already the financial industry’s leader in giving back. These aren’t features meant to be bullet pointed, they’re the story of how you, Aspiration, and the rest of this community make the world better through every act we do.
When you link your bank account to see how much extra you can get with your free Aspraiton account, you’ll be linking with an FDIC insured, military-grade encrypted system, so your info is safe with them. Entering your email address here is the first act you can do (it’ll take 5 minutes) to make every financial decision an aspirational one.
*¹Offer 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. Customer must complete the following activities: (1) Open and fund an Aspiration Spend & Save Account with a deposit of $10 or more, and (2) 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). 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 6/12/2020. 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.*
*²The Annual Percentage Yield (“APY”) associated with the Aspiration Spend & ave Account is available only to customers enrolled in Aspiration Plus. APY is variable and accurate as of 6/5/20. Rates may be changed from time to time without notice. To earn 1.00% APY interest on Aspiration Save Account balances up to and including $10,000.00 in any calendar month, customer must be enrolled in Aspiration Plus and spend $1,000 or more, monthly, with their Aspiration debit card. Balances over $10,000.00 will earn 0.10% APY. If the requirements are not met each month, the APY will be 0.25% on Save Account balances up to and including $10,000.00. Balances over $10,000.00 will earn 0.10% APY. Minimum deposit required to open an Aspiration Save Account is $10.00. Enrollment fee and Pay What Is Fair fees debited directly from the Aspiration Save Account could reduce earnings. Customers not enrolled in Aspiration Plus will not earn interest. For more information, click here. Comparisons with Big Banks based on APYs for Chase Premier Plus Checking (0.01%), Bank of America Interest Checking (0.06% with Preferred Rewards booster), and Wells Fargo Preferred Checking (0.01%) interest checking accounts as of 2/11/20.*
*³Customers will earn cash back on purchases made at selected merchants. Cash back percentages are subject to change at any time without notice. Cash back will generally be credited to the customer's Aspiration Spend Account once on the first day of each calendar month. Aspiration reserves the right to reverse Cash back transactions under certain circumstances and the right to terminate a customer’s Cash Back feature for any abuse of the feature. This Cash Back rewards program is subject to change by Aspiration at any time without notice. For more information, click here & here.*
*⁴ATM 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: https://www.aspiration.com/atms. 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. Aspiration Debit Card is issued by Coastal Community Bank, Member FDIC, pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.*
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