Zero Card Reviews - What Is It?
WARNING: DO NOT BUY Zero Card Until You Read This Review!
Is it a Scam? Does It Really Work?
Zero Card is a unique card with a tiered rewards structure. You are expected to receive the amount of cash back depending on how much you spend per year. There are four tiers. Carbon: 3% cash back (it is required to spend $100,000 annually), Magnesium: 2% cash back (it is required to spend $50,000 annually), Graphite: 1.5% cash back (it is required to spend $25,000 in annual spend required) and Quartz: 1% cash back (no minimum spend required). You will be able to take part in the Referral Program by registering for early access. Then you can refer your friends. After you level up you will get that higher tier for the rest of the calendar year and the next calendar year as well. Those who have earned Carbon status are expected to receive a $100 bonus for every friend they refer.
In order to "level up" you will need to meet the following requirements. Share information on Facebook and get magnesium, use a friend's link and get graphite level. Share with three friends and receive carbon status. It appears that when you refer friends you will move up the list. To learn more about sharing your referral go to the official website where you will find all the necessary information. But is Zero Card good choice for you? Can is really be as beneficial as claimed on the official website. Before making a decision to get it, you should consider real cardholders' testimonials about their experience of using Zero Card.
Customer Reviews - Does Zero Card Really Work?
There is a great number of customer reviews about this card online. Most cardholders of Zero Card claim that it is an excellent option. They gave it an average rating of 4.5 stars. The card offers a number of benefits. The first one is $0 annual fee. You can hardly find cards that are completely free to use. However, you need to make sure you pay on time (within 55 days). A lot of people don't know that the card has recently been upgraded. It means that you don't have to pay an annual fee. At the same time, you can enjoy free travel insurance, extended warranties and buy protection. This has is suitable for people who don't care about the rewards points. But there is a basic "mates rates" reward program. This credit card proves to be very handy. To take control of your payments, it is recommended to make sure that your balance is paid at the end of the month. You can benefit from a lengthy 55 day interest free period on everything you buy.
If you take a closer look at the real users' reviews, you will see that this is a perfect card for people who are ready to pay their balance off on a monthly basis. With a long interest-free period and no annual fee, you will only benefit from this card. This free money manager will help you to manage your money correctly and effectively. But if you don't manage to pay off the used money on time, you would be better avoid getting this card, otherwise you will have to pay rather high interest rates. The next people who use the Zero Card are pleased with is the customer service. The staff of the company behind the card appears to be highly professional, helpful and responsive. Cardholders praise separate representatives, for instance, Santander, an expert from the legal team. That man consults their clients on the phone every day and proves to be knowledgeable and polite. Not all people start trusting Zero Card at once but they may need to consult someone. This is when Santander comes to help. He will answer all of your questions quickly and efficiently. Other representatives of the company are no less helpful. Those who have consulted them highly appreciate their empathy, ability to listen and make each client feel at ease. But in order to understand whether Zero Card is really worth your attention, let us take a look at some of the actual customer testimonials left on different websites online.
"As soon as I received my Zero Card I started comparing it with my experiences of having other kinds of cards. What I like about my new card is that it protects my account from any fraud. I try to pay the full balance, at least two business days before the Due Date. Therefore, Interest Rate is not a concern for me while using this credit card. Another advantage is the effective customer as well as absence of annual fee. Additional attraction with this card is that there are no International Transaction/Foreign Currency fees for purchases."
"ZeroCard is an absolutely excellent card due to the number of positive features it offers. There is no annual fee or Foreign Transaction fee. You won't need to pay any fees within 55 days. Even though the card comes with higher interest afterwards, it does not matter for me because I always pay my balance in full by the due date. I like using this card and I do recommend it to many of my friends. By the way, most of them have already switched over to this card."
"Zero card is an awesome credit card, especially its Platinum version. There are no foreign transaction fees, no annual fees, free travel insurance and 55 days interest free. I haven't paid a cent in six years for anything. I pay it off via Bpay from my mortgage account a few days before the due date. That's fantastic! I have used my credit card overseas and it was very simple. I have used it for the past six months with no hassles at all. I do recommend this excellent card to my friends! Thank you very much!"
My Final Summary
Summing up, it is necessary to note that Zero Card is a wonderful credit card for many reasons. It offers a lot of advantages. The first one is that you can earn money every time you spend it. And the more you spend the more you earn. Let me explain. Let's say you spent $100,000. You wouldn't actually earn 3% cash back. What you will earn is 1% on $25,000 then 1.5% on another $25,000 and 2% on $50,000 for a cash back rate of 1.625%. It is not even 2%, but I don't think that it is an issue for the first year of holding the card. Why? Because you can significantly benefit from the generous referral program. The only thing you will need to do is to share information about this card on Facebook. As a result, you will get the 2% rate. It is also important to mention that your status lasts for the rest of the calendar year and the next calendar year as well.
Even though some other cards 3% cash back options (Discover it Miles card, Mitsuwa JCB Credit Card, Marukai Premium JCB Card), Zero Card has a tiered system. By the way, this card is associated with the positive overall customer reputation online. This is the main thing you need to pay attention to while choosing the proper credit card. Most cardholders are highly pleased with the customer service of the company and its separate representatives. These prove to be professional, responsive and helpful. If you would like to learn more about the Zero card, you are recommended to go to their official website.
Zero Card Pricing and Rates
There is no complete list of fees on the official website. But it is a well-known fact that the card has no annual fees or foreign transaction fees. You will get free access to 50,000 ATMs, though.