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Rewards With Credit Cards

Bonus offer: $250 cash back  After you spend $500 on purchases in the first 3 months from account opening. Offer only available when applying directly with PāyZero® Financial.

Earn unlimited cash back. Earn unlimited 1.5% cash back on every purchase. No minimum to redeem for cash back.

Compare options to build your credit below. Advertiser Disclosure

Card Card Name Annual Fee Rewards Rate
pāyZero® Visa®
$0 0% Apply Now

Top reasons to get the pāyZero® Visa® Card

  • Use of MyXtraMoney® App pays your monthly payments so you don’t have to.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.

Earn unlimited reward points at select partners

  • Automatic cash back as you shop…..
  • pāyZero® puts tax refunds into your pocket while providing meaningful support for organizations and causes that are close to your heart.
  • Earn 2X miles on every purchase, every day.

Flexibility Fee and Charges

  • Subject to 15.74% Interest
    Your credit limit is determined by your FICO® credit rating
  • Annual Fee
    There is no fee for this card

To Apply, please Click Here

Travel

  • Automatic discounts on Air travel, hotels, .

Invest The Rest

  • Dividend profits that are not spent on card payments grow at 12%/Annually.
pāyZero® MasterCard®
$0 4% Apply now

Top reasons to get the pāyZero® MasterCard®

  • Use of MyXtraMoney® App pays your monthly payments so you don’t have to.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.

Earn unlimited reward points at select partners

  • Automatic cash back as you shop…..
  • pāyZero® puts tax refunds into your pocket while providing meaningful support for organizations and causes that are close to your heart.
  • Earn 2X miles on every purchase, every day.

Flexibility Fee and Charges

  • Subject to 15.74% Interest
    Your credit limit is determined by your FICO® credit rating
  • Annual Fee
    There is no fee for this card

To Apply, please Click Here

Travel

  • 50,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
  • No foreign transaction fees

Invest The Rest

  • Dividend profits that are not spent on card payments grow at 12%/Annually.
pāyZero® AMEX®
$0 1% Apply now

Top reasons to get the pāyZero® AMEX®

  • Use of MyXtraMoney® App pays your monthly payments so you don’t have to.
  • No annual fee
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • No foreign transaction fees

Earn unlimited reward points at select partners

  • Automatic cash back as you shop…..
  • pāyZero® puts tax refunds into your pocket while providing meaningful support for organizations and causes that are close to your heart.
  • Earn 2X miles on every purchase, every day.

Flexibility Fee and Charges

  • Subject to 15.74% Interest
    Your credit limit is determined by your FICO® credit rating
  • Annual Fee
    There is no fee for this card

To Apply, please Click Here

Travel

  • 50,000 miles once you spend $3,000 on purchases within 3 months from account opening
  • Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs.

Invest The Rest

  • Dividend profits that are not spent on card payments grow at 12%/Annually.