Finally A Credit Card Endorsed By Dave Ramsey? ***


***please refer to Betteridge’s Law (the answer is no) Use code EARLY4050 to get 1.5% cash back at

Zero card is a FREEKING METAL 3% cashback Debit Card for those who have joined the cult of Dave Ramsey, or those with qualms about carrying any debt. Click here to sign up for the first round of applications and get graphite status (1.5% cashback)!

Looks like the same idea as RobinHood we have brought simple app banking to unbanked otaku millennials. Zero Card is an app based bank that has a linked “hybrid metallic credit card” that acts as a debit card linked to an interest bearing account. This is not new as we normal folks have always known such a tool as a secured credit card, made for people with terrible credit and no self control. You load an amount on there and then you get to spend only the amount you load in hopes of one day having a real credit card. If your in this position you have most likely lost your military security clearance and this blog doesn’t really appeal to you.

The card is pretty much catered to those that suffer from Ramsey’s dysphasia where you feel you have lost all control of you life, and must turn to a higher power for some semblance of financial control. The Zero Card is the perfect tool for those that have pledged to a rigorous lifestyle of cutting up all credit cards, entering a complete budget to the cent, and carry around cash in multiple category envelopes.


try to act normal carrying your paycheck around in envelopes stuffed with cash

When you feel weird about carrying stacks of cold hard cash in envelopes with rubber bands around them and paying for your tinder date, you may feel you need a card to better blend into society that has a de facto ban on carrying around cash. This is your shabbatt elevator to satisfy your devotion to an ultra orthodox lifestyle But want to be practical and baller with a metal credit card in our modern world.

What I find unique with Zero Card is the cash back is you get cashback at 1% and then get a boost the more you spend according to the FAQ:

There are four levels of Zerocard, which vary in terms of the cash back rewards percentages they earn. The entry-level Zerocard Quartz earns 1.0%, Zerocard Graphite earns 1.5%, Zerocard Magnesium earns 2.0% and Zerocard Carbon earns 3.0% cash back. Moving up to a higher level Zerocard allows you to earn more cash back for purchases.

Current minimum annual spending requirements are $25,000 for Zerocard Graphite, $50,000 for Zerocard Magnesium, and $100,000 for Zerocard Carbon.

Notice the appeal to new wacky material names and metallic base much like the Barclay Gold, Black, Titanium line up. Its almost like they are cramming this branding down our gullets. We get it, only basic bitches have plastic cards now, eww…. Ever worse are those posers at chase that have a laminated metal cards. As explained in this scathing article in the wash post, whic says you truly are not a whole person until your card is 24kt gold plate.

You can finally get 3% rewards on a “debit card” that  looks and feels like an AmEx Centurion Card to the cute but shallow Subway Sandwich Cashier (of which you end up swiping the card yourself anyways). Best feature yet is the pre-loading of money making it not a credit card by function, so it is a loophole you have been waiting for.

Since there is no new debt your not violating the key Ramsey rule, and 3% Cashback (after $100,000.00 spend) on all categories is even better than my $995 Barclay Gold Card Master Card. I doubt I will ever do anything higher than graphite which you can get by a simple referral made by this link here, use code “EARLY4050”. You don’t even need to spend the $25k with code EARLY4050. Looks like there is some Ramsey millionaire out there that will go for the 3% cashback carbon card after he buys $100,000 in official Ramsey gear, most likely the man himself.

Looks like there are a lot of doubters on reddit in this new technology, but hey DoC has an open mind about it so I’m going for it, at least for my salaryman allowance.


One thought on “Finally A Credit Card Endorsed By Dave Ramsey? ***

  1. […] wrote about the new Dave Ramsey Compatible Credit Card called zero almost three years ago. Well this scrappy company, which I thought had died long ago, finally sent me an […]

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