Visa® Zero+ Card
This low interest rate card allows you to focus on paying down balances. This card is simple and straightforward, great for someone looking for a hassle-free and convenient credit card.
Enjoy a low introductory rate and discover the extras.
Full benefits¹
4% cash back on travel booked directly in the Rewards Center when you use your card.²
$15 annual statement credit after making purchases for 11 consecutive months.³
Cell phone protection—Get reimbursed up to $600 if your cell phone is stolen or damaged, when you pay your monthly cell phone bill with your card.⁴
Pay over time with a special Card ExtendPay plan offer, available each calendar year.⁵
Redeem cash back⁶ as a statement credit, rewards card or as a deposit into an eligible Account with Associated Bank.
Auto Rental Discounts—Alamo, Hertz and National.
Merchant Discounts—Merchant discounts when you use your card—coupons available online.
Online and Mobile Account Access—Download transactions, statements, make a payment or establish automatic payments. Establish alerts for online statements, payment due, payment posted, payment overdue, balance exceeds, credit posted or debit posted. Plus, request credit limit increase, balance transfer, add authorized user or joint owner and manage your rewards.
Year-end Summary—Receive an online detailed summary of your spending during the year for convenient budget analysis and financial planning.
Free credit score.⁷
Emergency Card Replacement & Cash Disbursement—Provides worldwide, 24-hour assistance with lost and stolen card reporting, emergency card replacement and emergency cash advance.
Lost/Stolen Card Reporting—Visa will forward reports of lost or stolen cards to the appropriate card issuers.
Zero Liability/Fraud Protection⁸—Zero liability from fraud and protection from unauthorized use of your card or account information.
ID Navigator Powered by NortonLifeLock⁹—Providing tools so you can act quickly if your identity is threatened.
Contactless—Tap your credit card anywhere you see the contactless symbol.
EMV smart chip technology—For added security.
Call 800-236-8866
Customer Care Center
Certain limitations and restrictions may apply. (1284)
You will earn 4% cash back per dollar spent on eligible Net Purchases for prepaid airfare, car rental, attractions and hotel reservations booked directly in the Rewards Center using your Zero+ Card. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within 7 business days, or as a statement credit to your credit card account within 1-2 statement billing cycles, or as a Rewards Card. Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice. Cash rewards expire 5 years from when they are earned, refer to your Program Rules for full details. (1537)
An automatic statement credit of $15 per 12-month period will be applied to your Zero+ Account within 2 statement billing cycles following 11 consecutive calendar months of purchases, if the Account is in good standing (not past due or overlimit). We reserve the right to adjust or reverse any portion or all of any credit for unauthorized purchases or transaction credits. (1538)
Certain terms, conditions and exclusions apply. In order for coverage to apply, you must pay your monthly cellular wireless bill with your Zero+ Card. Please view the Guide to Benefits at here for further card benefit details including full terms and conditions. (1539)
Account must be in good standing (not past due or overlimit) and meet eligibility requirements to receive the 3-month Card ExtendPay plan special offer each calendar year. If eligible, this offer will be available within 2 months after the introductory purchase APR offer expires. Eligibility is determined monthly and this offer can only be used once per calendar year. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases. Only purchase balances are eligible for Card ExtendPay plans. (1540)
Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice. (1541)
Free credit score access, Alerts and Score Simulator through TransUnion’s CreditView® Dashboard are available to Elan Online Access customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the Alert functionality. Free credit score access is not available in the Mobile App. The free VantageScore® credit score from TransUnion® is for educational purposes only and not used by Elan Financial Services to make credit decisions. (1310)
Elan Financial Services provides Zero Fraud Liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. (1286)
No one can prevent all identity theft. (1334)
Subject to credit approval. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. (1056)
Visa and the Visa logo are registered trademarks of Visa International Service Association. (1115)
