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/
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!
Very useful app
Nostrappamus
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.
Great tool. Highly recommend
EdwinIV
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!
Straightforward
jm22b6
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
• Stability improvements
• Enhanced support flow
Version 1.9
The developer, Spirit Services LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Location
Contact Info
User Content
Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
