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Smarter Credit.

Zero Stress.

Smarter Credit.

Zero Stress.

Smarter Credit.

Zero Stress.

Smarter Credit.

Zero Stress.

Say goodbye to fees, friction, and confusion. Zero is the modern credit card built for clarity, control, and confidence.

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Instant Card Issue &
Secure Payments

Instant Card Issue &

Secure Payments

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Smart, Secure, and

fee-free essentials

Smart, Secure, and

fee-free essentials

Smart, Secure, and

fee-free essentials

Cashback,

insights, and

more control.

Cashback, insights,

and more control.

Cashback,

insights, and

more control.

Premium perks

for elevated

living.

Premium perks

for elevated living.

Premium perks

for elevated

living.

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Smarter Tools. Seamless Experience.

Smarter Tools.

Seamless Experience.

ZERO gives you powerful, intelligent features—built to help you

spend better, stay secure, and stay in control.

ZERO gives you powerful, intelligent features—built to help you spend better, stay secure, and stay in control.

ZERO gives you powerful, intelligent features

—built to help you spend better, stay secure,

and stay in control.

Adaptive Card Controls

Set custom rules for when, where, and how your

card can be used—automatically.

Adaptive Card Controls

Set custom rules for when, where, and how your card can be used—automatically.

Adaptive Card Controls

Set custom rules for when, where, and how your card can be used—automatically.

Adaptive Card Controls

Set custom rules for when, where, and how your card can be used—automatically.

Zero Annual Fees Card

Simple. honest credit. What you see is what you pay—$0.

Zero Annual Fees Card

Simple. honest credit. What you see is what you pay—$0.

Zero Annual Fees Card

Simple. honest credit. What you see is what you pay—$0.

Zero Annual Fees Card

Simple. honest credit. What you see is what you pay—$0.

Real-Time Spending Alerts

Track every transaction the moment it happens.

Spending Alerts

Track every transaction the moment it happens.

Spending Alerts

Track every transaction the moment it happens.

Spending Alerts

Track every transaction the moment it happens.

AI-Powered

Budgeting

AI-Powered

Budgeting

ZERO learns your habits and helps you spend smarter—with personalized budgets that adjust as you do.

AI-Powered

Budgeting

ZERO learns your habits and helps you spend smarter—with personalized budgets that adjust as you do.

AI-Powered

Budgeting

ZERO learns your habits and helps you spend smarter—with personalized budgets that adjust as you do.

Intelligent Fraud Detection

Advanced protection that flags suspicious activity before it becomes a problem.

Intelligent Fraud Detection

Advanced protection that flags suspicious activity before it becomes a problem.

Intelligent Fraud Detection

Advanced protection that flags suspicious activity before it becomes a problem.

Choose Your Zero Card

Smarter Tools.

Seamless Experience.

Find the card that fits your lifestyle — from everyday essentials to elite experiences.

ZERO gives you powerful, intelligent features

—built to help you spend better, stay secure,

and stay in control.

ZERO SOL

$0 / month

$0/ month

Ideal for: Budget-conscious users, students,

and first-time credit users.

Ideal for: Budget-conscious users, students, and first-time credit users.

Ideal for: Budget-conscious users, students,

and first-time credit users.

Ideal for: Budget-conscious users, students, and first-time credit users.

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Virtual Card
Apple/Google Pay
In-App Budgeting Tools

Virtual Card
Apple/Google Pay
In-App Budgeting Tools

Virtual Card
Apple/Google Pay
In-App Budgeting Tools

ZERO NOX

$10/ month or $99/ year

Ideal for: Everyday spenders looking to

maximize rewards and improve credit health.

Ideal for: Everyday spenders looking to maximize rewards and improve credit health.

Get Started

Virtual Card
Apple/Google Pay
In-App Budgeting Tools
(No) Foreign Transaction Fees
Credit Score Insights
Bill Payment Reminders
Card Customization

Virtual Card
Apple/Google Pay
In-App Budgeting Tools
(No) Foreign Transaction Fees
Credit Score Insights
Bill Payment Reminders
Card Customization

Virtual Card
Apple/Google Pay
In-App Budgeting Tools
(No) Foreign Transaction Fees
Credit Score Insights
Bill Payment Reminders
Card Customization

ZERO SUPERNOVA

$25/ month or $249/ year

Ideal for: Budget-conscious users, students,

and first-time credit users.

Ideal for: Budget-conscious users, students, and first-time credit users.

Ideal for: Budget-conscious users, students,

and first-time credit users.

Ideal for: Budget-conscious users, students, and first-time credit users.

Get Started

Virtual Card
Apple/Google Pay

In-App Budgeting Tools
Credit Score Insights
(No) Foreign Transaction Fees
Bill Payment Reminders
Custom (Metal card)
+Plus More

Virtual Card
Apple/Google Pay

In-App Budgeting Tools
Credit Score Insights
(No) Foreign Transaction Fees
Bill Payment Reminders
Custom (Metal card)
+Plus More

Virtual Card
Apple/Google Pay

In-App Budgeting Tools
Credit Score Insights
(No) Foreign Transaction Fees
Bill Payment Reminders
Custom (Metal card)
+Plus More

Got questions? We believe clarity is just as important as confidence.

Here’s everything you need to know about how ZERO works—no fine print, no confusion.

Got questions? We believe clarity is just as important

as confidence. Here’s everything you need to know about

how ZERO works—no fine print, no confusion.

ZERO gives you powerful, intelligent features

—built to help you spend better, stay secure,

and stay in control.

Frequently Asked Questions

Smarter Tools.

Seamless Experience.

1. Is ZERO really fee-free?

Yes. ZERO has no annual fees, no late fees, and no hidden charges. What you see is what you get.

1. Is ZERO really fee-free?

Yes. ZERO has no annual fees, no late fees, and no hidden charges. What you see is what you get.

2. Does applying affect my credit score?

No. You can check your eligibility through a soft inquiry, which doesn’t impact your credit score.

2. Does applying affect my credit score?

No. You can check your eligibility through a soft inquiry, which doesn’t impact your credit score.

3. How does ZERO help me build credit?

On-time payments are reported to credit bureaus monthly. You’ll also receive in-app credit score tracking and tips to improve over time.

3. How does ZERO help me build credit?

On-time payments are reported to credit bureaus monthly. You’ll also receive in-app credit score tracking and tips to improve over time.

4. What happens if I lose my card?

Instantly freeze your card through the app. You can request a new one in just a few taps.

4. What happens if I lose my card?

Instantly freeze your card through the app. You can request a new one in just a few taps.

5. How do ZERO’s AI features work?

Our built-in AI analyzes spending behavior to help you create smart budgets, forecast balances, and detect potential fraud.

5. How do ZERO’s AI features work?

Our built-in AI analyzes spending behavior to help you create smart budgets, forecast balances, and detect potential fraud.

6. Can I use ZERO abroad?

Yes. Your card works worldwide, anywhere major credit cards are accepted—with competitive FX rates.

6. Can I use ZERO abroad?

Yes. Your card works worldwide, anywhere major credit cards are accepted—with competitive FX rates.

7. Is my money and data secure?

Absolutely. We use 256-bit encryption, biometric logins, and industry-standard compliance (PCI DSS) to keep your account safe.

7. Is my money and data secure?

Absolutely. We use 256-bit encryption, biometric logins, and industry-standard compliance (PCI DSS) to keep your account safe.

8. How fast can I get started?

Signing up takes less than 5 minutes. Once approved, you’ll get a virtual card instantly—and your physical card ships right after.

8. How fast can I get started?

Signing up takes less than 5 minutes. Once approved, you’ll get a virtual card instantly—and your physical card ships right after.

Testimonials

Smarter Tools.

Seamless Experience.

Don’t just take our word for it.
Hear it from people using ZERO.

Got questions? We believe clarity is just as important

as confidence. Here’s everything you need to know about

how ZERO works—no fine print, no confusion.

ZERO gives you powerful, intelligent features

—built to help you spend better, stay secure,

and stay in control.

💬 “ZERO helped me build my credit without the usual stress. I feel in control of my money for the first time.”
— Jordan M.
Freelance Designer
💬 “The app is so clean and easy to use. I love seeing my spending breakdown and knowing exactly where my money is going.”
— Priya T.  
Content Creator
💬 “ZERO’s AI budgeting tool changed everything for me. It’s like having a financial coach in my pocket.”
— Sarah W.  
Startup Founder
💬 “Fast setup, no fees, and I actually understand how my credit works now. Wish I found ZERO sooner.”
— John K.  
Student
💬 “ZERO made everything so simple. Got approved fast, no hidden fees, and the design is clean. Finally feels like a card built for me.”
— Kate F.  
Accountant
💬 “I’ve tried other cards, but ZERO just gets it. Instant notifications, sleek app, and full control without the stress. Game changer.”
— Jordan R.
Photographer