Here’s a Way to Get Cash Back Without a Credit Card

Now you can earn cash rewards even if your credit isn't great.

Yulia Grigoryeva / Shutterstock

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By Shane Murphy Apr. 30, 2020

When it comes to credit cards, cash-back is king. You earn money just for doing stuff you normally do, like getting groceries, buying gas, and shopping online.

However, qualifying for one of these cards isn’t easy. Most credit card companies expect you to have a ridiculously high credit score if you want to get decent cash back, and a lot of people don’t make the cut.

But there’s another way to earn money on all your purchases, even if you don’t have a perfect credit history: get a cash-back debit card with Aspiration’s Spend & Save account.

You’ll earn up to 10% cash back every time you use your Aspiration debit card, and up to 11 times the average interest rate on any money you put away as savings (the average account only earns 0.09%, according to the FDIC).

Yep, you read that right — there’s finally a cash-back card for the rest of us.

Get rewarded for using your debit card

Aspiration’s Spend & Save account lets you earn cash back at stores like Walmart and Target, grow your nest egg, and rack up interest all in the same place.

There are no monthly maintenance fees, and you can pay Aspiration whatever you think is fair for their services — anything from $20 a month to $0.

So stop trying to impress the big credit card companies and start earning cash back today.

Kiss Your Credit Card Debt Goodbye

Millions of Americans are struggling to crawl out of debt in the face of record-high interest rates. A personal loan offers lower interest rates and fixed payments, making it a smart choice to consolidate high-interest credit card debt. It helps save money, simplifies payments, and accelerates debt payoff. Credible is a free online service that shows you the best lending options to pay off your credit card debt fast — and save a ton in interest.

About the Author

Shane Murphy

Reporter

Shane is a reporter for MoneyWise. He holds a bachelor’s degree in English Language & Literature from Western University and is a graduate of the Algonquin College Scriptwriting program.

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