What are the advantages of Zero compared to Simple Banking?

Simple offers a design-forward interface and a deposit account with debit card, with no rewards. Zero hasn't launched yet, but will offer a design-forward interface and a deposit account with a credit card, which allows Zero to offer up to 3% rewards on spending while still having much of the same functionality of a debit card. Tl;dr: Zero has rewards and Simple does not, but Zero hasn't launched yet.