Is Zip Nada Zilch a Scam?

If you have found your way to this website, you are probably asking yourself, “Is Zip Nada Zilch a Scam?” Here at Sucker Free Online Business, we are here to answer your question.

In short, no, the product is not a scam, but you likely have been lured there by an unscrupulous marketer who has promised that you can start earning cash immediately. While this is not true for most people, the product itself is not a scam.

zip-nada-zilch-logoProduct: Zip Nada Zilch
Price: $0 (maybe – see below)
Owner: Jeffery Kocurek
Sucker Rating: three-suckers (three suckers)
Who it’s for: People looking for a way to make money through referrals.

What is Zip Nada Zilch?

Zip Nada Zilch (ZNZ) is a website that offers cash payouts (among other prizes) for promoting their site and getting completed referrals (more on that in a second). They have multiple products but for this review we will be concentrating on ZNZOne and ZNZBigCash as those two products seem to be the most heavily promoted and are also the easiest to complete which is one step closer to getting paid by the product.

The ZNZ brands are owned by Jeffery Kocurek. I don’t have any information about him but ZNZ does earn an A+ from the Better Business Bureau but it is not accredited by the BBB.

The company was started in 2007 and claims to have paid out better than $9 million. That’s a lot of dinero.


How does it work?

The first step in making money with ZNZ is to sign up and complete your credits. You must earn 1.00 credits by accepting offers from the site for the selected program (ZNZOne and/or ZNZBigCash). Once you have earned 1.00 credits or more you are eligible to receive “prizes” for referring others who also earn 1.00 credits.

zip-nada-zilch-how-it-worksHere is how it works according to the website:

Step 1: Sign up to any of our sites using your real, valid information.

Step 2: Complete your credit requirements! Credits are earned by completing advertiser offers, and depending on the site of ours you sign up to, this will be anywhere from 0.50 to 3.00 credits. We work with companies such as Equifax, Blockbuster, DirecTV and many more!

Step 3: After completing your credit requirements, refer others and have them complete their credit requirements.

Step 4: After obtaining the required number of completed referrals for your prize, you’ll be able to submit an order into us for your prize!

At the time of this writing ZNZOne is paying $20 per referral and ZNZBigCash is paying $79 per referral.

What ZNZ is essentially doing is advertising offers for companies. Some of the products are really good and useful and you may find that you like some of them.

Sounds easy, right? Not so fast. Let’s get into that.

How do you complete your credit requirements?

I’m going to go through this for ZNZOne but the process is the same for both ZNZOne and ZNZBigCash.

You will need to sign up seperately for both ZNZOne and ZNZBigCash. The offers to complete are also separate. That means that if you complete an offer for ZNZOne, it does not count as a completed offer for ZNZBigCash.

Once you have created your account and are logged in, you need to click on the “Offers” tab on the website. This will bring up the current advertisement offers. On ZNZOne it is very possible to earn your 1.00 credits that are required for free.

ZNZOne Offers

I sorted the offers by “Cost” and clicked refresh. As you can see in my screen capture, you can earn the 1.00 credit by accepting the offers from “Free Grant Money” (0.40 credits), “” (0.40 credits) and “Target REDCard” (0.20 credits).

0.40 + 0.40 + 0.20 = 1.00 Credits

The rub is that if you already have an account with any of these offers, you cannot accept it from ZNZ. What that means is that if you already have a Target REDCard, you can’t get another one here, so you’d have to find another way to get your additional 0.20 credits.

I have found that most people can get 1.00 ZNZOne credits for free but you may have to spend a few bucks to get your full 1.00 credits for ZNZBigCash.

Here are a few of the current offers for ZNZBigCash, sorted by cost.

ZNZBigCash Offers

One thing that comes to mind is that you may find a product that you will actually use there. One of the offers that I selected to complete my required credits for ZNZBigCash was an offer I had to pay for, but I completed that over a year ago and I’m still using the product today.

You also must read the offer requirements very carefully. You can do this by mousing over the offer.


They can and will revoke your credit if you fail to follow the requirements carefully.

Once you have completed your requriements, you can then go to the “Prizes” tab and select your prize. Right now ZNZOne is paying $25 per referral as per the October and November promotions. Remember a referral must complete his or her credit requirements in order for you to earn a prize from it.


I selected paypal so that I can collect my $25 as soon as I earn a completed referral. But you can select any of the other prizes as well. As you can see, you can get a 16GB iPad if you garner 22 referrals from ZNZOne. ZNZBigCash offers an iPhone 6 for 8 referrals.

The prizes change every so often and there is almost always a promotion going on for all of the products. Here are the promotions for October and November, 2015:


Again, we are concentrating on ZNZOne and ZNZBigCash which are currently paying out $25 and $75, respectively per “completed” referral. Completed means they have earned at least 1.00 credits per product, just like you had to.

Is there residual income?

Nope, there is no residual income from ZNZ. Once you refer someone and they complete their credits, you get a one time payment.

So how do you get referrals?

This is where you will need to get creative. There is no training from ZNZ to tell you how to get referrals. A lot of people try to use craigslist and other online classifieds. The problem is that a lot of them have rules against marketing things like this so your ads will get flagged and removed almost as soon as you publish them.

You need to come up with a way to promote ZNZ, whether it’s ZNZOne or ZNZBigCash. While it is possible to get payouts, without a way to reach an audience, you are left with pressuring your friends and family to sign up and qualify.

But there is way.

Build a Sucker Free Website.

If you build a website, you can promote the ZNZ products. So if you want to get started with ZNZ here are the steps I recommend.

  1. Get started with ZNZOne.
  2. Get started with ZNZBigCash.
  3. Create your free website.

But success with ZNZ products will not come overnight. You will need to learn how to properly promote the products which is something that ZNZ falls painfully short in. If you want to learn how to promote ZNZ, or any other product, I recommend going through the training Wealthy Affiliate.

Is Zip Nada Zilch a Scam?

cashMy assessment is that ZNZ is not a scam, but you need to couple it with other marketing techniques. You can earn some cash, albeit not residual, from ZNZ but it will come from hard work and it will take time. Anyone telling you different is either lying or uninformed.

ZNZ is not going to deliver wheel barrels loaded with cash to your doorstep but when promoted properly, it may give you a bit of extra money.

As always, if you have comments or questions, please let me know in the comments below. Remember that I’m here to help and I was a sucker so you don’t have to be.


4 Replies to “Is Zip Nada Zilch a Scam?”

  1. Oh this isn’t for me. I hate things that just seem like they are based on referrals. What is the actual product here?
    Can you recommend something else that is more worthwhile? I don’t want to spend my day trying to sucker my family/ friends or strangers into something like this.

    1. Hey Lynne, the products constantly change on ZNZ. So one week there may be a Directv offer and the following week it might be gone and replaced with another offer. And I don’t know if I would say you were suckering your friends with ZNZ. Some of the products are worthwhile. I don’t think the company would have been around as long as it has if all of the products were bad. Some examples of the good offers I have seen are the Disney Movie Club, Gamefly and Free Credit Report.

      I’m not aware of a similar product to Zip Nada Zilch but I’d love to hear about one if anybody else has.

  2. I had never heard of these guys before you mentioned them. Great review on how to make money with their system. I like referral based systems because it’s all about promoting someone else’s product or service, this is what I’m into right now. Thanks for pointing them out, I’ll put them on my safe list, Thanks!

    1. Thanks, Peter. It really is a decent product. I would have rated it higher if they offered some sort of training in addition to the advertisement service, but you really need to couple it with some form of marketing campaign. I still highly recommend the training at Wealthy Affiliate to learn how to do that.

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