Traditional banks use credit card point systems to obfuscate the effective value of rewards, reduce costs via affiliate programs, and decrease rewards redemption rates due to the friction required to actually use points. We studied the issue and determined that not only is cash more transparent and more liquid, it’s preferred by many people including wealthy Americans previously thought to prefer points. We feel that by increasing effective rewards value and freeing customers from the task of redeeming points by giving them automatic cash back on a regular basis, Zero provides a simpler and more rewarding user experience.