Growth · alternatives · 2026

24 alternatives to Zero Financial

3% Cash Back Credit Card

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Zero Financial launched in 2016; newer entries below may have overtaken it.

1. 1
   Tiny Bank▲195

   A financial app for people with crazy money

   2016 · tinybank.co · its alternatives →

2. 2
   Tiny Bank Beta▲127

   An inbox for your money

   2016 · tinybank.co · its alternatives →

3. 3
   Spendee 2.0▲220

   See where your money goes

   2015 · spendee.com · its alternatives →

4. 4
   Fly Cash▲102

   Expense tracking as easy as chatting

   2017 · flycash.me · its alternatives →

5. 5
   Birch▲157

   Find the best credit card for your spending.

   2016 · bugiscredit.sg · its alternatives →

6. 6
   Final 2.0▲225

   Credit card that helps tame subscriptions and conquer fraud

   2017 · getfinal.com · its alternatives →

7. 7
   Spendy▲66

   Minimalist expense-and-income tracker (iOS)

   2014 · apps.apple.com · its alternatives →

8. 8
   Next▲123

   Personal financing made easy for iOS and OSX

   2014 · its alternatives →

9. 9ZF
   Zero – Fintech CC with 3% cash back▲5

   2016 · zerofinancial.com · its alternatives →

10. 10
    Shake Pay▲106

    Mobile bitcoin debit card

    2016 · shakepay.com · its alternatives →

11. 11
    Breadcrumb PRO▲62

    "the lowest credit card processing rate in the industry"

    2014 · upserve.com · its alternatives →

12. 12
    WalletHub▲90

    A.I.-powered savings alerts, free daily credit scores & more

    2016 · wallethub.com · its alternatives →

13. 13
    Slice Drops▲100

    Get your money back when prices drop 🛍 💸

    2016 · slice.com · its alternatives →

14. 14
    Cardback▲86

    Your Personal Card Connoisseur

    2015 · its alternatives →

15. 15
    Hurdlr▲143

    Simple financials for busy entrepreneurs

    2016 · hurdlr.com · its alternatives →

16. 16
    Clara▲91

    Personal finance app for iPhone

    2014 · clara.blockthirty.com · its alternatives →

17. 17
    Unspent▲79

    Track your spending money. Keep it simple.

    2015 · unspentapp.com · its alternatives →

18. 18
    Basics Wallet▲105

    A functional wallet for minimalists

    2015 · its alternatives →

19. 19
    Card.io▲134

    Credit card scanning for mobile apps.

    2014 · its alternatives →

20. 20
    nerdwallet▲106

    Quora for Finance

    2014 · nerdwallet.com · its alternatives →

21. 21
    5coins▲94

    A simple app to track your daily expenses

    2015 · 5coins.cmsight.com · its alternatives →

22. 22
    Checkout 51▲62

    Buy groceries, earn cash back

    2014 · checkout51.com · its alternatives →

23. 23
    Dave▲92

    Outsmart Overdrafts

    2017 · dave.com · its alternatives →

24. 24
    Worthy – Transparent Personal Finance▲9

    Minimalist and straightforward money tracker

    2017 · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →