How do I specify value IF cell contains word, but that word is not the ONLY word?

How do i write an If function that will specify a certain value if a given cell contains a specific word, but that word is not necessarily the ONLY word in that given cell?

For instance:
If cell B1 has "transfer" in it the cell B4 must be "0", otherwise "1"
If cell B1 has 'credit card" in it, then cell B4 must be "0", otherwise "1"
such that if B1 said "Transfer to Bank Account", that would qualify to generate a "0" as well?

Thank you,

R

Try =--(Isnumber(FIND("word", B1))=False())

Maybe

=NOT(OR(B1={"Transfer","Credit Card","Transfer to Bank Account"}))*1