NBT Bank Visa® Zero+
NBT Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of NBT Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The NBT Bank Visa® Zero+ from NBT Bank earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0% back.
What does the NBT Bank Visa Zero+ earn in each category?
Dining is the strongest category at 0% effective value (0% back). The five-category effective-rate table on this page shows how NBT Bank Visa Zero+ compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0% back). The five-category effective-rate table on this page shows how NBT Bank Visa Zero+ compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0% back | 0% Top category |
| Grocery Supermarkets and grocery stores | 0% back | 0% |
| Gas Gas stations and fuel | 0% back | 0% |
| Travel Flights, hotels, transit | 0% back | 0% |
| Other General everyday spend | 0% back | 0% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the NBT Bank Visa Zero+?
The NBT Bank Visa Zero+ fits spenders who put meaningful volume in dining and can earn 0% back. Best for spenders who put meaningful volume in dining and can earn 0% back.
NBT Bank Visa Zero+ fits spenders who put meaningful volume in dining and can earn 0% back. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0% back.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
Does the NBT Bank Visa Zero+ have an annual fee?
The NBT Bank Visa Zero+ has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the NBT Bank Visa Zero+?
The NBT Bank Visa Zero+ includes Auto Rental Discounts, ID Navigator Powered by NortonLifeLock⁹, $15 annual statement credit in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Common questions about the NBT Bank Visa Zero+
Does the NBT Bank Visa Zero+ have an annual fee?
The NBT Bank Visa Zero+ carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the NBT Bank Visa Zero+?
Dining is the strongest Madeen category for the NBT Bank Visa Zero+ at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the NBT Bank Visa Zero+ charge foreign transaction fees?
The NBT Bank Visa Zero+ charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the NBT Bank Visa Zero+?
Madeen's catalog lists a typical credit range of Good to Excellent for the NBT Bank Visa Zero+. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the NBT Bank Visa Zero+?
Rewards on the NBT Bank Visa Zero+ post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the NBT Bank Visa Zero+?
To maximize the NBT Bank Visa Zero+, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the NBT Bank Visa Zero+ compare to similar cards?
Compare the NBT Bank Visa Zero+ against NBT Bank Visa Everyday Rewards+ (4% on Dining, $0 fee); NBT Bank Visa Business Cash Preferred (3% on Dining, $0 fee); NBT Bank Visa Reserve Rewards+ Card (2% on Dining, $390 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
NBT Bank Visa Zero+ This card | Dining | 0% | $0 |
NBT Bank | Dining | 4% | $0 |
| Dining | 3% | $0 | |
| Dining | 2% | $390 | |
| Dining | 1.5% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
NBT Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of NBT Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure