Cell phone protectionGet reimbursed up to $600 if your cell phone is stolen or damaged - just pay your monthly cell phone bill using your cardCarried by 57 of 581 cards in the catalog
Choice Bank
Choice Bank Visa® Zero+
$0 a yearEverything this card owes you
1statement credits
$15at face value, a year
8protections included
1spend categories that earn extra
0 of those 1 credits pay nothing until they are activated.
Annual Statement Credit$15
What the number is made of
Your card carries $15 in credits.
Not points and not a valuation. Statement credits with real dollar amounts, attached to real things — a hotel night, a dinner, a membership, a flight you were taking anyway.
The card year
Every credit, on its own clock
The fee is the debit and every credit pays it back — but only inside the window it is live. Mark what you would really use and watch both the calendar and the balance change.
Selections start at “Never.” “Sometimes” counts a credit at 50% of its annual value; “I'd use this” counts it in full. Several of these credits have to be switched on in the issuer's app before they pay anything — that's the “needs activation” tag below.
CreditJFMAMJJASONDWould you use it?
Annual Statement Credit$15face value$0you get backresets card anniversaryshared
You get back$0Nothing selected yet — mark the credits you would use above.
Annual fee$0Charged in full, every year, whether you collect or not.
Your effective annual fee$0What the card really costs you once your credits are counted.
Window you would useWindow you would notCard anniversary, not the calendar
Activation
Benefits require activation. We make it easy to enroll in each perk.
Most premium card credits don't start paying automatically. Turn one on in the issuer's app before you count on it.
$0Mark the credits you would use above and this shows what has to be switched on before it pays.Get started — track your activations
What you're covered for
The protections, and how rare they are
These carry no honest dollar value, so they stay out of the ledger above. What they have instead is scarcity: most cards don't carry them.
1 protection included on this card
Cell phone protectionGet reimbursed up to $600 if your cell phone is stolen or damaged - just pay your monthly cell phone bill using your cardCarried by 57 of 581 cards in the catalogWhat you get in
Access and status
7 access and status perks on this card
Before the card arrives
Track this one from day one
Seven to ten days pass between applying and the card landing. The wallet is built before it arrives — every credit, every reset date, and the 0 activation steps that decide whether the first month pays anything.
Build my wallet
We'll hold the answers you gave above.
Where these figures come from
Verified, drafted, and dated
All 1 credit values on this page reconcile to the published catalog total of $15. Reset cadence, activation requirements, and shared-versus-per-user status come from the same catalog, not a separate estimate.
Put it against another card