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Cash-back credit cards are fantastic. You can get paid just to buy groceries or fill up your gas tank.
This is basically extra money, as long as you only buy what you would normally and you pay off your balance each month.
Unfortunately, it can be hard to qualify for these cards. Credit card companies don’t just hand them out. To get your hands on that cash-back earning plastic, you might need a near-flawless credit history. Let’s face it: That’s something many of us don’t have.
We found another option, though.
It’s a debit card called Aspiration .
This online account comes with a debit card that lets you earn up to 5% cash back on your debit card spending and up to 100 times the average interest (the average checking account pays .01% these days) on the money you set aside to save.
That means you can start earning cash every time you swipe your card.
It’s no wonder Money Magazine ranked Aspiration “The Best Checking Account in America.”
Get Paid Every Time You Swipe Your Debit Card
This is actually an account that does a bunch of different things. You can pay your bills, build your savings, invest and earn interest — all in one place.
Here’s what Aspiration offers:
- You get your cash back, obviously. (Bonus!)
- The debit card comes with no monthly account-maintenance fee and low minimums.
- It pays up to 100 times the national average APY of .01% on your savings.
Enter your email address here , and link your bank account to see how much extra cash you can get with your free Aspiration account. And don’t worry. Your money is FDIC insured and under a military-grade encryption. That’s nerd talk for “this is totally safe.”
Tell the credit card companies to take a hike. You don’t need them or their approval anymore.
Mike Brassfield (email@example.com) is a senior writer at The Penny Hoarder.