Call Us Today:  (833) 321-ZERO (9376)

You Deserve a Debt Free Credit Card

pāyZero® Visa®

  • Use MyXtraMoney® App to pay minimum payment.
  • No annual fee
  • Competitive Cash Back Rewards ($250 for every $1500 spent)
  • Use MyXtraMoney® App to pay minimum payment.
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pāyZero® MasterCard®

  • Use MyXtraMoney® App to pay minimum payment.
  • Earn $250 cash back for every $1500 spent
  • Earn 2X miles on every purchase, every day.
  • No Annual Fee
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pāyZero® AMEX®

  • Use MyXtraMoney® App to pay minimum payment.
  • Earn $250 for every $1500 spent
  • Earn 2X miles on every purchase, every day.
  • No foreign transaction fees
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Explore pāyZero® Credit Card Benefits

pāyZero®’s 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
Disclaimer: Loan approval is not guaranteed and is subject to credit application and approval of the auto lender, or credit card bank. The pāZero®’s LookSee™ process allows you to pre-qualify for offers and discuss your financing options with no impact to your credit score. Individual loan terms may vary.  pāZero® Auto Finance, Inc. DBA pāyZero® Financial is committed to Fair Lending and treating consumers, customers and vendors with the utmost respect and fairness. Under the Equal Credit Opportunity Act (ECOA), pāyZero® Financial is prohibited from discriminating in any aspect of the credit transaction. Prohibited bases are: sex, marital status, race, color, religion, national origin, age (provided the applicant is of legal age), income derived from public assistance and the fact that the applicant has—in good faith—exercised any right under the Consumer Protection Act (i.e. the right to lodge a complaint). We recommend you make and retain a copy of our Privacy Policy. If you prefer to print another copy, visit our Website at www.pazero.net or you may request a copy by calling (833) 321-ZERO (9376)Use of this website constitutes acceptance of payZero.net’s Terms of Use, Disclaimer, Privacy Policy, and Cookie Policy.
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.