# ZeroFund: 0% Credit Cards — Stop paying high interest > Personalized 0% credit card application strategy and discovery for business owners. (iPhone/iPad app by Spirit Services LLC.) - Source: https://appshunter.io/ios/app/zerofund-0-credit-cards/id6758319719 (this page in markdown: same URL + `.md`) - Developer: [Spirit Services LLC](https://appshunter.io/developer/1872245243) - Category: Finance, Education - Price: Free with in-app purchases - Rating: 5.00/5 from 12 App Store ratings · 11 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 59 MB - Languages: English - Released: 2026-02-09 - Data updated: 2026-06-29 - Monetization: freemium - User reviews in markdown: https://appshunter.io/ios/app/zerofund-0-credit-cards/id6758319719/reviews.md ## What is ZeroFund? Most business owners qualify for $50K–$150K in 0% capital - and never access it. ZeroFund builds your personalized card sequence so you know exactly which cards to apply for, in what order, to maximize your 0% funding. Designed for people who want more than generic card lists, ZeroFund combines real-world data, regional offer discovery, AI-assisted guidance, and community insights to help you approach credit card applications with clarity and structure. Stop guessing. Apply with a strategy. KEY FEATURES • 0% Credit Card Discovery: Explore 0% introductory credit card offers, including regional and local options that are often unavailable on national comparison sites. • Approval Strategy & Planning: Follow a structured approval path based on timing, utilization, credit profile factors, and application sequencing—designed to reduce guesswork before you apply. • AI-Assisted Advisor: Get AI-guided insights to help interpret options, understand tradeoffs, and think through next steps based on your situation. • Community Approval Insights: View real-world data shared by other users, including reported approvals, credit limits, and which credit bureau was pulled. • Approval Odds & Financial Tools: Use built-in tools to better understand approval likelihoods, tradeoffs, and credit dynamics before submitting applications. • Education Hub: Learn how credit rules actually work—from utilization and inquiries to issuer behavior and approval mechanics. ACCESS & SUBSCRIPTION ZeroFund is free to download. Access to the app’s full strategy tools, insights, AI guidance, and community features requires an active subscription. Subscriptions automatically renew unless canceled in your Apple ID account settings. IMPORTANT INFORMATION ZeroFund provides educational information and strategic guidance only. Credit card approvals, limits, rates, and offers are determined by financial institutions and may vary. ZeroFund does not issue credit cards and does not guarantee approvals. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ ## Key features - 0% Credit Card Discovery - Personalized Approval Strategy - AI-Assisted Guidance - Community Approval Insights - Approval Odds Calculator - Credit Education Hub ## Pricing and in-app purchases Base price: Free. **Subscriptions** | Subscription | Price | Period | | --- | --- | --- | | Monthly | $9.99 | per month | | Yearly | $59.99 | per year | ## Chart rankings - #195 in Top Grossing · Finance (US App Store) ## Recent user reviews (10 of 11) All indexed reviews: https://appshunter.io/ios/app/zerofund-0-credit-cards/id6758319719/reviews.md ### 5/5 — Super helpful! *2026-03-06, version 1.5* If you’re looking for help in this space, this is good help. Super easy to use and find good cards with. Made a custom plan for me within seconds. Definitely keeping this one. ### 5/5 — Check it out! *2026-02-25, version 1.5* I was sent here by a financial expert I trust. ### 5/5 — Rex K. *2026-02-19, version 1.3* As a small business owner ZeroFund gave me a place to go where I can peruse financial support for our next season of growth. I highly recommend recommend. ### 5/5 — Got approved and easy to used *2026-02-14, version 1.3* The app is user friendly and helped me get a new business credit card! ### 5/5 — So helpful *2026-02-12, version 1.2* This has been so helpful for me to find 0% credit card options. I like that it’s tailored to me and my credit, and that I get both National and regional/local options for funding - this is great for showing me where to build relationships with banks by me. I also love the tools in the app that help me figure out what I can do to improve my credit to get better options, without having to disclose all my personal info. It’s super clean and easy to use. And when I reached out to them about improving my credit they were quick to respond. Appreciate the support! ### 5/5 — Great tool. Highly recommend *2026-02-11, version 1.2* App is really cool and helpful. Really simplify the process without having to go to 10 different websites and scroll for hours looking for 0% cards. I also really like the feature that tells you your approval odds! ### 5/5 — Useful! *2026-02-10, version 1.2* Easy to use and personalize ### 5/5 — Very useful app *2026-02-09, version 1.1* ZeroFund does what most credit card apps don’t even attempt. It gives you a clear, structured strategy for navigating 0% offers instead of dumping a generic list in your lap and wishing you luck. The mix of real-world approval data, regional offers, AI guidance, and community insights makes the decision process feel calculated rather than stressful. If you want to stop guessing,savoid unnecessary credit hits and actually apply with confidence, this app feels like a serious unfair advantage. ### 5/5 — Helped me get 0% Business Credit! *2026-02-09, version 1.1* Awesome app, helped me learn about business credit and got approved at 0% interest! Highly recommend checking it out! ### 5/5 — Straightforward *2026-02-09, version 1.1* Makes it really easy to plan how to scale my business. Really simple UI/UX so I can focus on making the right moves… not riddled with ads like a lot of websites. Will be submitting ideas for a new feature ## Frequently asked questions about ZeroFund ### How does ZeroFund help me get 0% credit cards? ZeroFund helps you discover 0% introductory credit card offers, including regional options. It then builds a personalized application sequence based on your credit profile and timing to maximize your 0% funding. ### Is ZeroFund free to download and use? ZeroFund is free to download. However, access to its full strategy tools, AI guidance, and community features requires an active subscription. ### What kind of AI guidance does ZeroFund offer? The AI-assisted advisor provides insights to help you interpret credit card options, understand potential tradeoffs, and make informed decisions based on your specific financial situation. ### Can I see what other users have experienced with ZeroFund? Yes, ZeroFund features community approval insights. You can view real-world data shared by other users, including reported approvals, credit limits, and which credit bureaus were pulled. ### Does ZeroFund guarantee credit card approvals? No, ZeroFund provides educational information and strategic guidance only. Credit card approvals, limits, and offers are determined by financial institutions and are not guaranteed by ZeroFund. ### How often is ZeroFund updated? The latest version of ZeroFund is 1.8, and it was last updated on April 1, 2026. This indicates regular updates to improve features and data. ### What devices is ZeroFund available on? ZeroFund is available on iPhone, iPad, and iPod, making it accessible to a wide range of Apple users. ### What is the age rating for ZeroFund? ZeroFund has an age rating of 4+, meaning it is suitable for users of all ages, though its financial content is most relevant to adults. ## Version history (last 5 releases) ### 1.9 — 2026-04-28 • Stability improvements • Enhanced support flow ### 1.8 — 2026-04-01 • Smarter onboarding - faster path to your personalized funding plan • New: set your Move 1 start date and get timed reminders • Improved funding roadmap preview with capital trajectory model • Regional offers now unlocked directly from the Explore tab • Performance improvements and UI polish throughout ### 1.7 — 2026-03-19 • Improved onboarding experience with a simpler, clearer roadmap preview • Updated language across the app to be more user-friendly and easy to understand ### 1.6 — 2026-03-17 • Faster, simpler onboarding • Clearer explanations of your 0% funding opportunities • Improved results page and funding insights • Streamlined setup with fewer steps ### 1.5 — 2026-02-24 • Fixed an issue where certain notifications and popups were not appearing for existing users. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-29.*