Forward BankVisa® Zero+ CardRegistry illustration · issuer artwork unavailable
Visa® Zero+ CardForward Bank · SI bank, MN · FDIC 28530
CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer
Purchase APR
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Balance transfer
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Cash advance APR
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Annual fee
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Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | — | no source read | |
| APR for balance transfers | — | no source read | |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | — | no source read | |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | 5% of the amount, minimum $5, Balance transfer transactions from other Elan Financial Services accounts are not permitted. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. If you take advantage of this offer, you may not be able to avoid interest on future purchases, even if your offer has a 0% APR. You can avoid interest on purchases if you pay your entire account balance, including any balances you create with this offer, in full by your due date each month.Forward Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Balance transfer transactions from other Elan Financial Services accounts are not permitted. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. If you take advantage of this offer,…”Forward Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| Cash back | 4% cash back. Payment timing is not disclosed. 1.You will earn 4% Cash Rewards on eligible Net Purchases for prepaid airfare, car rental, attraction and hotel reservations booked directly in the Rewards Center using your Zero+ credit card. Net Purchases are purchases minus credits and returns. The account must be open and in good standing (not past due or overlimit) to earn and redeem Cash Rewards and benefits. Cash Rewards expire 5 years from when they are earned, refer to your Program Rules for full details.Forward Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “1.You will earn 4% Cash Rewards on eligible Net Purchases for prepaid airfare, car rental, attraction and hotel reservations booked directly in the Rewards Center using your Zero+ credit card. Net Purchases are purchases minus credits and returns. The account must be open and in good standing (not past due or overlimit) to earn and redeem Cash Rewards and benefits. Cash Rewards expire 5 years fr…”Forward Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Recurring statement credit · annual statement credit | $15 statement credit. Per 12-month period. See source conditions for the period's start date. Allow 1–2 statement billing cycles for payment. 2.An automatic statement credit of $15 per 12-month period will be applied to your Zero+ Account within 1-2 statement billing cycles following 11 consecutive calendar months of purchases, if the Account is in good standing (not past due or overlimit). We reserve the right to adjust or reverse any portion or all of any credit for unauthorized purchases or transaction credits.Forward Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “2.An automatic statement credit of $15 per 12-month period will be applied to your Zero+ Account within 1-2 statement billing cycles following 11 consecutive calendar months of purchases, if the Account is in good standing (not past due or overlimit). We reserve the right to adjust or reverse any portion or all of any credit for unauthorized purchases or transaction credits.”Forward Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |