Pay Down Balances
Zero+ Card
- Save on interest and pay down your higher-rate credit card balances faster
- Use for large purchases, unexpected expenses or last-minute necessities
- 4% cash back on prepaid travel booked directly in the Rewards Center when you use your card1
- Receive a $15 annual statement credit after making purchases for 11 consecutive months2
- Redeem cash back3 as a statement credit, rewards card, or as a deposit into an eligible account.
1. You will earn 4% Cash Rewards on eligible Net Purchases for prepaid airfare, car rental, attraction and hotel reservations booked directly in the Rewards Center using your Zero+ credit card. Net Purchases are purchases minus credits and returns. The account must be open and in good standing (not past due or overlimit) to earn and redeem Cash Rewards and benefits. Cash Rewards expire 5 years from when they are earned, refer to your Program Rules for full details.
2. An automatic statement credit of $15 per 12-month period will be applied to your Zero+ Account within 1-2 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.
3. Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice.
The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.