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 11 times the average interest (the FDIC reports that the average account earns just .09%) on the money you set aside to save.
That means you can start earning cash every time you swipe your card.
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 11 times the national average APY of .09% on your savings.
It takes just a few minutes to sign up now to start getting that cash back — on groceries, gas, at the home-improvement store. Wherever you spend your hard-earned money.
Tell the credit card companies to take a hike. You don’t need them or their approval anymore.
Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder.
This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
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