The Zero+ Card is a personal credit card from Zero+ Card. Application typically pulls a hard report from Experian. The annual fee is 0. The ongoing APR is null after a 0% introductory rate for 24 months. Approval typically requires a credit score of null or higher. Signup bonus: $15 Annual statement credit for making purchases for 11 consecutive months. Rewards: travel rewards. Cash back: 4% Cash back on travel booked with the card in the Rewards Center.