Every time you use your credit card, ZeroTab instantly sets aside the exact amount from your checking account and pays your card automatically when the charge clears.
This is not your bank's autopay. Regular autopay pays once a month. ZeroTab works per swipe, in real time.
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Connect your existing credit card and checking account in under 2 minutes using bank-level encryption. We never see or store your login credentials.
Use your credit card exactly as you do today — in stores, online, anywhere. Nothing changes about how you spend.
The moment you swipe, ZeroTab moves the exact purchase amount from your checking account into a secure, FDIC-insured holding account.
Towards the end of your billing cycle. ZeroTab pays your credit card automatically. No action needed on your end.
Keep using your existing rewards card and earn every point, mile, and cashback dollar — without ever carrying debt.
On-time payments every month, automatically. Payment history is 35% of your credit score — ZeroTab handles it.
Your checking balance reflects what you actually have. If it's not there, it doesn't get spent on credit.
No due dates to remember. No bills to check. No late fees. No interest. It just works, every single time.
Linking bank accounts is a big deal. Here's exactly how we keep your money and data safe.
Funds held in your ZeroTab account are FDIC-insured up to $250,000.
256-bit encryption on all data. We never see or store your bank credentials.
Account linking uses Plaid — the same technology trusted by Venmo, Robinhood, and Coinbase.
Pause, adjust, or disconnect anytime. Your money, your rules.
What's your biggest fear about using a credit card?
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