Zerocard is a product planning to launch next year — it works like a debit card but pays up to 3% cash back. It’s an FDIC-insured bank account, with charges deducted from your balance. But it processes like a credit card so they can pay out strong cash back. And the card is all metal.
The account pays interest, allows direct deposit, bill pay and ACH and wire transfers. There are no ATM fees in-network.