Comerica Bank Zero+ Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The Comerica Bank Zero+ Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersHigh rewards rateNo initial rewards bonusBalance transfer feeHigh regular APRForeign fee
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
The Comerica Bank Zero+ Card is a very good credit card for people with a credit score of 700 or higher who want to avoid interest on large purchases that will take more than a year to pay off. The card is worth considering for balance transfers, too, but it has a high transfer fee. There’s no annual fee, though. Info about the Comerica Bank Zero+ Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.9/5
151 reviewsRead and write reviews
Editor’s Review
4.5/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.2
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Finance New Purchases” for this card.
Fees
4.0
Rewards
0.0
Cost
4.0
APR
5.0
4.2/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 24 months, 17.24% - 28.24% (V) APR after that
Balance Transfer
0% intro APR for 24 months, 17.24% - 28.24% (V) APR after that
Balance Transfer Fee:5% (min $5)
Rewards
Earn 4% cash back on prepaid travel booked directly in the Rewards Center when you use your card.
Redeem cash back as a statement credit, rewards card, or as a deposit into an eligible account.
Get a $15 annual statement credit after making purchases for 11 consecutive months.
Comerica Bank Zero+ Card's Additional Info
0% Introductory APR for 24 months on balances transferred within 744 days of account opening.
The Comerica Bank Zero+ Card is a very good credit card for people with a credit score of 700 or higher who want to avoid interest on large purchases that will take more than a year to pay off. The card is worth considering for balance transfers, too, but it has a high transfer fee. There’s no annual fee, though.
Two features the Comerica Bank Visa Platinum Card lacks are rewards and a low regular APR. In other words, you won’t get cash back, points or miles for making purchases, and you’d better pay off your balance before the end of the card’s 0% APR introductory period.
If you want to assess your chances of getting approved for the Comerica Visa Platinum Card, you can check your credit score for free right here on WalletHub. You can also use our credit card payoff calculator to see how much this offer could save you.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.5
User Reviews
3.9
Market Comparison
4.2
fees: 4.0
rewards: 0.0
cost: 4.0
APR: 5.0
4.2WalletHub Rating
WalletHub Rating
4.2
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.8
User Reviews
3.3
Market Comparison
4.2
fees: 4.0
rewards: 0.0
cost: 4.0
APR: 5.0
4.0WalletHub Rating
WalletHub Rating
4.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.6
User Reviews
3.6
Market Comparison
4.1
fees: 5.0
cost: 3.3
APR: 5.0
(151)
(201)
(1,568)
annual fee$0
annual fee$0
annual fee$0
Purchase Intro APR0% for 24 months
Purchase Intro APR0% for 21 months from account opening
Purchase Intro APR0% for 12 months
transfer intro apr0% for 24 months|Transfer Fee:5% (min $5)
transfer intro apr0% for 21 months from account opening on qualifying balance transfers|Transfer Fee:5% (min $5)
transfer intro apr0% for 21 months|Transfer Fee:5% (min $5)
Can't find what you are looking for? Submit your question about Comerica Bank Zero+ Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
A credit score of 700 is needed for the Comerica Bank Zero+ Card. That means this card only accepts people with good credit.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Comerica Bank Zero+ Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it's best to wait to apply until you meet the Comerica Bank Zero+ Card credit score requirement. You can check your credit score for free on WalletHub.
The Comerica Bank Zero+ Card balance transfer fee is 5% (min $5). This fee is charged when you move an eligible debt to the Comerica Bank Zero+ Card, and the fee amount will be automatically added to the balance.
The Comerica Bank Zero+ Card also offers an introductory APR of 0% for 24 months, after which the regular APR of 17.24% - 28.24% (V) applies.
If the balance you wish to transfer is higher than your new card's credit limit, Comerica might post the entire amount to your account, or just the matching amount. But it may as well deny your whole balance transfer request.
This card offers an intro transfer APR of 0% for 24 months. In order to benefit from it, you have to request the...
No, the Comerica Visa Platinum isn't a business card. It is a consumer credit card, designed for personal use. Particularly, this card is relatively well-suited for balance transfers.
It has a purchase and transfer intro APR of 0% for 24 months for balances transferred in the first 620 days of account opening.
Also, it has no annual fee, but you need to have good credit to get approved for it.
The Comerica Bank Zero+ Card annual fee is $0. Comerica Bank Zero+ Card's $0 annual fee is lower than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the Comerica Bank Zero+ Card, though.
The Comerica Bank Zero+ Card does not disclose a credit limit in its terms and conditions. Comerica Bank Zero+ Card credit limits depend on each applicant's overall creditworthiness. People with the most income and the best credit scores generally receive the highest starting credit limits.
The Comerica Bank Zero+ Card credit limit that you receive when you're approved isn't necessarily permanent. You can ask to get a credit limit increase by calling the customer service number on the back of your card, but it's best not to ask more...
The Comerica Bank Zero+ Card's foreign transaction fee is 3%. You'll be charged this fee each time you use your card in another currency.
If you're planning a trip or do a lot of international online shopping, you should look for a credit card more that's suitable for this purpose. Check out our editor's latest picks for the best no foreign transaction fee credit cards to find one you like.
The Comerica Bank Zero Card minimum payment is listed on your monthly credit card statement and in your online account, and it will either be a certain percentage of the statement balance or a flat amount, depending on how high your balance is.
Key Things to Know About Comerica Bank Zero+ Card Minimum Payments
The minimum payment will include any applicable fees, past-due amounts, and interest.
You can find the current Comerica Bank Zero+ Card payment address listed on your monthly statement. You can also find it by visiting Comerica Bank's website or calling customer service at the number on the back of your card.
When paying Comerica Bank Zero+ Card bills by mail, be sure to submit either a check or money order for the payment amount. Comerica Bank does not accept cash.
Tips for Mailing Comerica Bank Zero+ Card Payments
Share your insights and review for the Comerica Bank Zero+ Card
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3.9
151 reviews
151 reviews
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Donna Tobin @donnabean
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1 Star Rating
I made a mistake and overpaid my credit card balance in March 2022 . In an email from customer service they agreed to send me a check for the amount I overpaid. 6 weeks have gone by no check and no help on the phone or email. I received a letter from them stating they transferred the money owed to me electronically to my financial institution. What! They will not tell me where they sent my money! I have spoken to numerous agents and none of them ever heard of such a thing and told me this payment was refunded but can not see where it went. I have requested any and all tracking on this (check) but I have not heard anything. Not a small amount either $1158.48
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joe_locus @joe_locus
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1 Star Rating
JUNK! Cut and RUN!!! Seriously. Comerica has NOTHING do with with this card. Elan Financial Services is the card hold. They are absolutely terrible. The left hand doesn't know up from down. The right hand doesn't know anything at all.
You will be given a super low limit. It will not change.
They give out the 0% intro rate. But that limit will be VERY low. And they will not increase that limit. This card is only good for a young person who might want to get their credit started ONLY.
If you are an adult with established credit. Don't get this card. I thought COMERICA backed it.
COMERICA is NOT officiated with the services AT ALL. You can't go into a branch for services or with questions. They will only call the phone number on the back of the card for you.
Again, Elan Financial Services holds the card. 1 star- rating on yelp. 2 star- Wallethub 3- Glassdoor
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davesmemoreno @davesmemoreno
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2 Star Rating
Great promotional rate but you know there's a catch right? Everything about the customer service aspect of this care is difficult and clunky. We were waiting on balance transfers that were cancelled by Comerica because their verification department called a work number instead of our home numbers to verify, for starters. I made an online payment for our first bill and then my wife couldn't use her card the next day. The first rep. told me it wasn't because of a late payment, probably the chip on the card, but assured me my payment would clear by the evening. Then I couldn't use my card in the evening and called in again. The second rep. clarified that the first rep had been wrong and the payment wouldn't clear for one more day.
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Cheryl P @ms_cheryl40
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1 Star Rating
Very disappointed i was told if i pay on time within 6mos i could see a credit increase which was a lie. I have been with them for 2years and 6mos. All i get you have too fill out a application again and it is not guaranteed they will do it. I have paid on time and paid over what my monthly is.
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Joe Weider @joe_weider
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2 Star Rating
I’ll tell you one thing up front, I’d much rather go to Comerica Park than a Comerica Bank, but that doesn’t really have anything to do with the bank or its products. Speaking of which, why don’t we see how the Comerica Bank Visa Platinum Credit Card stacks up against some of the more well known names in the credit card industry? Starting with rewards…wait, the Comerica Visa Platinum Card doesn’t offer rewards (not the best first impression, huh), so let’s move onto rates. The Visa Platinum Card from Comerica Bank does offer 0% on purchases as well as balance transfers for 12 months, which is pretty good, but not great when you consider that 0% rates are available for as long as 18 months from Citi. In terms of fees, the Comerica Bank Platinum Card doesn’t have an annual fee, which means it’s an average offer instead of a bad one (there’s nothing that would warrant paying an annual fee). Nevertheless, it’s pretty clear that you could do better than the Comerica Bank Credit Card, so lets talk options.
No, not whether Collin Balestar has any minor league options left (he’s on the Tigers who play in Comerica bank), but alternatives to the Comerica Bank Visa Platinum Card. If you want low introductory rates, the Citi Platinum Select and Diamond Preferred cards are good options. If you want rewards, some cards to consider are the Chase Sapphire Preferred, the Capital One Venture Card, and the Capital One Cash Credit Card. Anyway you go, you’ll be going somewhere better than the Comerica Bank Visa Platinum Credit Card.
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Faye E HADLEY @fayelayne
Actually, they currently have an offer for 0% APR transfer fee for 20 months. There could be other improvements by now. This is an OLD comment, and commenter seems to know a lot about the cards...could be a competitor.
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* The information about the following cards has been independently collected by WalletHub: Citi Simplicity® Card, Comerica Bank Zero+ Card, and Columbia Bank Zero+ Card.
