We are in Pre-Launch for the pāyZero® Visa®,
MasterCard®, or Amex® Card. (Arriving Late 2020)

Apply for card and begin using the MyXtraMoney® Cash Flow App between December 15th 2019 – January 15th 2020, and have up to $500/month placed toward any credit card you like.

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You Deserve a Debt Free Credit Card

Introductory Offer

Our card does not arrive until October 2020. Apply for card and start using the MyXtraMoney® App between December 15th 2019 – January 15th 2020, and have up to $500/month placed toward any credit card payment you like.

Travel

2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide

Rewards

2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide

Purchase Rate

0% on Purchases and Balance Transfers for 15 months. Then Variable 15.74% – 25.74% APR† Transfers: Either $5 or 5% of the amount of each transfer, whichever is greater.

Cash Back

Up to $250 statement credit after you spend $1,500 in purchases on your new Card within the first 3 months. Terms Apply.

Annual Fees

$0 Annual Fee. No Foreign Transaction Fees. No Application Fees. No Over limit Fees.

Explore pāyZero® Credit Card Benefits

pāyZero®’s best credit cards outshine the rest

Purchase Notifications

You’ll get real-time alerts whenever your purchase meets the criteria you selected during enrollment.

Alerts Choices

With Alerts you choose which alerts you’d like to receive for each account. Choose from a variety of alerts like low balance alerts, payment reminders and account activity notices.

Warranty Protection

This benefit doubles the time period of the original manufacturer’s warranty. For terms of less than a year, the warranty is doubled, and for terms of one to three years, the warranty is extended by one year.

Personalize your card

Getting your custom card is easy. Choose from our galleries of bright, vivid imagery, upload one of your favorite images, or create a custom design. Then you can flip, rotate, resize, and move it over the card template to get it just right.

apply now* Offer Details | Pricing & Terms

Payment

Payment Security is Embedded in Everything we do Our multilayered approach to security drives everyday.

24 / 7 Customer Service

No matter if you are contacting us about your statement, your payment, rewards, non-contact cards, etc., we provide you with easy access to high quality customer service you deserve. Call us, mail us,  email us, or chat. we are ready.

apply now*Offer Details | Pricing & Terms

Manage your digital wallets

Chase Pay®, Apple Pay®, Samsung Pay, Google Pay – it’s never been easier to stay on top of how you pay.

Check out your credit score

Knowledge is power. Get your free score in seconds, and boost your score with Credit Tuneup Advise.

Deposit payments instantly

Deposits made safely and securely in a flash with pāyZero® FastDeposit™.

Warranty Protection

Valuable protections don’t start and end with travel. The pāyZero® card automatically adds an additional year to eligible warranties with extended warranty protection.

apply now* Offer Details | Pricing & Terms

Bonus Miles

25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases

Economical To Use

No annual fee and no foreign transaction fees, Miles don’t expire on active accounts, Free checked bag

24 / 7 Booking Convenience

Flexibility to book travel how you want.

apply now*Offer Details | Pricing & Terms

Rate and fee information

  • Interest rates and Interest charges

  • Purchase Annual Percentage Rate (APR)

    0% fixed Intro APR for the first 15 months that your Account is open. After that, 15.74% to 25.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.

  • Balance Transfer APR

    0% fixed Intro APR for the first 12 months that your Account is open. After that, 15.74% to 25.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.

  • Cash Advance APR

    26.49%. This APR will vary with the market based on the Prime Rate.

  • Default APR and When It Applies

    Up to 29.99%. This APR will vary with the market based on the Prime Rate.c The Default APR may be applicable to your Account if you:

    • Fail to make any Minimum Payment by the date and time due (late payment); or
    • make a payment to us that is returned unpaid.

    How Long Will the Default APR Apply: If an APR is increased for any of these reasons, the Default APR may apply indefinitely to all outstanding balances and future transactions on your Account.

  • Grace Period

    Your due date will be a minimum of 20 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date.

  • Minimum Interest Charge

    None

Related Fees

  • Annual Membership Fee

  • Transaction Fees

    • Balance Transfer
    • Cash Advance
    • Foreign Transactions
    • $5 or 5% whichever is more.
    • 19.24%
    • None
  • Penalty Fees

    • Late Payment
    • Over-the-Credit Limit
    • Returned Payment
    • Up to $25
    • None
    • Up to $37
ADVERTISER DISCLOSURE pāyZero® Financial is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which pāyZero® Financial receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. Other factors, such as our proprietary website’s rules and the likelihood of applicants’ credit approval also impact how and where products appear on the site. pāyZero® Financial does not include the entire universe of available financial or credit offers. pāyZero® Financial credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.
Copyright 2019 | pāZero® Financial