ZeroFund: 0% Credit Cards
Spirit Services LLC Finance iPhoneiPadiPod touch
ZeroFund: 0% Credit Cards is a free Finance app for iPhone and iPad by Spirit Services LLC. Rated 5.0/5 from 12 ratings. Requires iOS 15.6.
- Rating
- 5.0
- 12 ratings
- Price
- Free
- on the App Store
- Size
- 59 MB
- Age 4+
- Updated
- Sep 28
- 2026 · v2.0
Screenshots
About ZeroFund: 0% Credit Cards
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/
Ratings & reviews
5.0
12 ratings
What’s new
Version 2.0 · Updated September 28, 2026
• Improved the AI advisor for more reliable responses and interactions. • The AI advisor can now update your Roadmap based on your conversations. • Enhanced subscription notification experience
App privacy
The developer, Spirit Services LLC, reported these privacy practices to Apple.
Data Linked to You
The following data, which may be collected and linked to your identity, may be used for the following purposes:
- Financial Info: Other Financial Info
- Location: Coarse Location
- Contact Info: Email Address, Name, Phone Number
- User Content: Customer Support, Other User Content
- Identifiers: User ID
Used for: App Functionality
Data Not Linked to You
The following data, which may be collected but is not linked to your identity, may be used for the following purposes:
- Diagnostics: Crash Data, Performance Data
Used for: App Functionality