“Zero, the San Francisco-based banking app, announced that it is now available for Android after its launch earlier this year on the iOS platform.  Zero provides a Zero Checking account and a credit card that provides users with the chance to earn a minimum of 1% cash back, with up to 3% back on certain purchases. The mobile app and card are offered at four different levels, including Quartz, Graphite, Magnesium and Carbon, with each level representing a different opportunity to earn points and additional features.”