Zions Bank Credit Cards

We found 10 Zions Bank credit cards. Read on to get more insights.

By Hanna Volkava
Updated March 01, 2024

Best Credit Cards in March 2024

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Zions Bank AmaZing Rewards® Business
Annual fee:
$0
Regular APR:
19.49% Variable
Our Rating:
4.22
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points for every $1 you spend on select business purchases, including office supplies, cellular services, internet services, telecommunications and cable TV.
    • 2x Points for every $1 you spend on select business travel purchase, including airline and car rentals.
    • 1x Point for every $1 you spend on your AmaZing Rewards for Business credit card.
  • Purchase Intro APR:
    0% Intro APR on purchases for 6 months
  • Balance Transfer APR:
    19.49% Variable
  • Issuer name:
    Zions Bank
  • Details:

    The Zions Bank AmaZing Rewards® Business Credit Card earns 3x points on select business purchases, including office supplies, cellular services, internet services, telecommunications and cable TV, 2x points on select business travel purchase and 1x point for every $1 you spend on your AmaZing Rewards for Business credit card.

    The AmaZing Rewards® Business Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 6 months on purchases. After that, the variable APR is 19.49%.

  • Pros:
    • No Annual Fee
  • Cons:
    • No welcome bonus
    • Foreign Transaction Fee
  • Benefits:
    • 3x points for every $1 you spend on select business purchases, including office supplies, cellular services, internet services, telecommunications and cable TV;
    • 2x points for every $1 you spend on select business travel purchase, including airline and car rentals;
    • 1x point for every $1 you spend on your AmaZing Rewards for Business credit card;
    • Automatic savings on qualified purchases when you enroll in Visa4 SavingsEdge®;
    • Credit limit up to $250,000.
Card detail
Zions Bank Elite Visa®
Annual fee:
$195 annually
Regular APR:
19.49% - 27.49% Variable
Our Rating:
4.31
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Earn 3% Cash Back or 3x points on all Travel & Dining purchases.
    • 1.5% Earn 1.5% Cash Back or 1.5x points on everything else.
  • Intro Offer:
    • $300 Get $300 or 30,000 points when you spend $5,000 within the first 90 days.
  • Balance Transfer APR:
    19.49% - 27.49% Variable
  • Issuer name:
    Zions Bank
  • Details:

    The Amegy Bank® Elite Visa® Credit Card earns 3% Cash Back or 3x points on all Travel & Dining purchases and 1.5% Cash Back or 1.5x points on everything else. Get a $300 bonus or 30,000 points when you spend $5,000 within the first 90 days.

    The Card's annual fee is $195. The Elite Visa® Card has a 0% introductory APR period for 6 months on balance transfers made within 60 days of account opening. After that, the variable APR is 19.49% - 27.49%.

  • Pros:
    • No Foreign Transaction Fee
    • Intro APR period on balance transfers
  • Cons:
    • Annual Fee
  • Benefits:
    • $300 or 30,000 points when you spend $5,000 within the first 90 days;
    • 3% Cash Back or 3x points on all Travel & Dining purchases;
    • 1.5% Cash Back or 1.5x points on everything else;
    • No blackout dates or restrictions on redemption;
    • Trip cancellation insurance;
    • Lost and Delayed Baggage Reimbursement;
    • Best Rate Guarantee;
    • Automatic Upgrades and VIP Guest Status at more than 900 luxury hotels around the world through the Visa Luxury Hotel Collection.
Card detail
Zions Bank Vivid Rewards Visa®
Annual fee:
$0
Regular APR:
17.50% - 29.50% Variable
Our Rating:
4.9
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points per $1 spent on dining, entertainment, transit, and digital services.
    • 1x Point per $1 spent on all other eligible purchases.
  • Purchase Intro APR:
    0% Intro APR for 6 months from date of Card Account opening
  • Balance Transfer APR:
    17.50% - 29.50% Variable
  • Issuer name:
    Zions Bank
  • Details:

    The Zions Bank Vivid Rewards Visa® Credit Card earns 3x points per $1 spent on dining, entertainment, transit, digital services and 1x point per $1 spent on all other eligible purchases.

    The Vivid Rewards Visa® doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 6 months on purchases. In addition, there is a 0% introductory APR period for 12 months on balance transfers. After that, the variable APR is 17.50% - 29.50%.

  • Pros:
    • No Annual Fee
    • Intro APR period
    • No Foreign Transaction Fee
  • Cons:
    • No welcome bonus
    • Extra Fees
  • Benefits:
    • 3x points per $1 spent on dining, entertainment, transit, and digital services;
    • 1x point per $1 spent on all other eligible purchases;
    • Cell Phone Protection;
    • Zero Liability;
    • Car rental collision damage waiver;
    • Travel Accident Insurance.
Card detail
Zions Bank Clarity Visa®
Annual fee:
$0
Regular APR:
15.00% - 24.00% Variable
Our Rating:
3.64
scorer
Credit score
No Credit History to Poor (0-579)
  • Purchase Intro APR:
    0% Intro APR for 6 months from date of Card Account opening
  • Balance Transfer APR:
    15.00% - 24.00% Variable
  • Issuer name:
    Zions Bank
  • Details:

    The Zions Bank Clarity Visa® Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 6 months on purchases. In addition, there is a 0% introductory APR period for 15 months on balance transfers. After that, the variable APR is 15.00% - 24.00%.

  • Pros:
    • No Annual Fee
    • Intro APR period
    • No Foreign Transaction Fee
  • Cons:
    • No rewards
  • Benefits:
    • Cell Phone Protection;
    • Zero Liability;
    • Car rental collision damage waiver;
    • Travel Accident Insurance;
    • Lost Luggage Reimbursement.
Card detail
Zions Bank Agility Cash Visa®
Annual fee:
$0
Regular APR:
17.50% - 29.50% Variable
Our Rating:
4.31
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on all purchases.
  • Purchase Intro APR:
    0% Intro APR for 6 months from date of Card Account opening
  • Balance Transfer APR:
    17.50% - 29.50% Variable
  • Issuer name:
    Zions Bank
  • Details:

    The Zions Bank Agility Cash Visa® Credit Card earns 1.5% Cash Back on all purchases.

    The Agility Cash Visa® doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 6 months on purchases. In addition, there is a 0% introductory APR period for 12 months on balance transfers. After that, the variable APR is 17.50% - 29.50%.

  • Pros:
    • No Annual Fee
    • Intro APR period
    • No Foreign Transaction Fee
  • Cons:
    • No welcome bonus
    • Extra Fees
  • Benefits:
    • 1.5% Cash Back on all purchases;
    • Cell Phone Protection;
    • Zero Liability;
    • Car rental collision damage waiver;
    • Travel Accident Insurance;
    • Lost Luggage Reimbursement.
Card detail
Zions Bank AmaZing Rate® for Business
Annual fee:
$0
Regular APR:
15.49% Variable
Our Rating:
3.24
scorer
Credit score
Good to Excellent (670-799)
  • Purchase Intro APR:
    0% Intro APR on purchases for 6 months
  • Balance Transfer APR:
    15.49% Variable
  • Issuer name:
    Zions Bank
  • Details:

    The Zions Bank AmaZing Rate® for Business Credit Card doesn't charge an annual fee. The Card offers a 0% Intro APR period on purchases for 6 months and qualifying balance transfers for 21 months (15.49% Variable thereafter).

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • Credit limit up to $250,000;
    • Automatic savings on qualified purchases (when you enroll in Visa® SavingsEdge).
Card detail
Zions Reserve Visa®
Annual fee:
$450 annually ($50 per year for each additional person on account)
Regular APR:
19.49% - 29.49% Variable
Our Rating:
4.29
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash Back (or 3x points) on travel & dining.
    • 2% Cash Back (or 2x points) on everything else.
  • Intro Offer:
    • $500 Bonus (or 50,000 points) when you spend $5,000 in the first 90 days.
  • Balance Transfer APR:
    19.49% - 29.49% Variable
  • Issuer name:
    Zions Bank
  • Details:

    The Reserve Visa® Credit Card earns a $500 Bonus (or 50,000 points) when you spend $5,000 in the first 90 days. The Card offers 3% Cash Back (or 3x points) on travel & dining and 2% Cash Back (or 2x points) on everything else.

    The Card's annual fee is $450 ($50 per year for each additional person on account).

    The Reserve Visa® Card has a 0% introductory APR period for 6 months on balance(s) transferred within 60 days from a nonZions Bancorporation, N.A. account. After that, the variable APR is 19.49% - 29.49%.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
  • Benefits:
    • $500 Bonus (or 50,000 points) when you spend $5,000 in the first 90 days;
    • 3% Cash Back (or 3x points) on travel & dining;
    • 2% Cash Back (or 2x points) on everything else;
    • $250 Annual Travel Credit;
    • Choice of rewards points or cash back;
    • 24-hour Visa Signature® Concierge Service;
    • Visa Signature Luxury Hotel Collection;
    • Trip cancellation insurance.
Card detail
Zions AmaZing Cash® for Business
Annual fee:
$0
Regular APR:
18.49% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on common business-related expenses, including cellular services, internet services, office supplies, cable TV and telecommunications.
    • 2% Cash Back on travel-related purchases, including airlines and vehicle rentals.
    • 1% Cash Back on all other purchases.
  • Intro Offer:
    • $750 Cash Back when you spend $7,500 in the first 120 days.
  • Purchase Intro APR:
    0% Intro APR for the first 6 months from account opening
  • Balance Transfer APR:
    18.49% Variable
  • Issuer name:
    Zions Bank
  • Details:

    The AmaZing Cash® for Business Credit Card earns 3% back on office supplies and technology, 2% back on travel, and 1% back on everything else. Get $750 Cash Back when you spend $7,500 in the first 120 days.

    The AmaZing Cash® for Business Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 6 months on purchases and balance transfers. After that, the variable APR is 18.49%.

  • Pros:
    • No Annual Fee
    • Intro APR period
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • $750 Cash Back (when you spend $7,500 in the first 120 days);
    • 3% Cash Back on common business-related expenses, including cellular services, internet services, office supplies, cable TV and telecommunications;
    • 2% Cash Back on travel-related purchases, including airlines and vehicle rentals;
    • 1% Cash Back on all other purchases;
    • Visa® Zero Liability;
    • Visa Concierge Service;
    • Travel Accident Insurance;
    • Travel & Emergency Assistance;
    • Emergency Card Replacement;
    • Emergency Cash Disbursement.
Card detail
Zions Bank Reserve Visa®
Annual fee:
$450 annually
Regular APR:
19.49% - 29.49% Variable
Our Rating:
4.01
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3% Cash or 3X points on all Travel & Dining purchases.
    • 2% Cash or 2X points on everything else.
  • Intro Offer:
    • $500 Cash or 50,000 points when you spend $5,000 within the first 90 days.
  • Balance Transfer APR:
    19.49% - 29.49% Variable
  • Issuer name:
    Zions Bank
  • Details:

    The Reserve Visa® Credit Card earns 3% Cash Back or 3x points on all Travel & Dining purchases, 2% Cash Back or 2x points on everything else. Get $500 or 50,000 points when you spend $5,000 within the first 90 days.

    The Reserve Visa® Card comes with an annual fee of $450.

    The card's APR: 19.49% - 29.49% (Variable APR).

  • Pros:
    • Travel benefits
  • Cons:
    • Annual Fee
  • Benefits:
    • $500 cash or 50,000 points when you spend $5,000 within the first 90 days;
    • 3% cash or 3x points on all Travel & Dining purchases;
    • 2% cash or 2x points on everything else;
    • $250 annual travel credit;
    • No blackout dates or restrictions on redemption;
    • Complimentary Priority Pass Select Lounge Access;
    • Trip cancellation insurance;
    • Travel accident insurance;
    • Lost and delayed baggage reimbursement.
Card detail
Amegy Bank® Premier Visa®
Annual fee:
$0 for the first year
$95 thereafter
Regular APR:
19.49% - 27.49% Variable
Our Rating:
4.18
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2.5% Cash Back or 2.5x points on all Travel purchases.
    • 1.5% Cash Back or 1.5x points on everything else.
  • Intro Offer:
    • $150 Cash or 15,000 points when you spend $4,000 within the first 90 days.
  • Balance Transfer APR:
    19.49% - 27.49% Variable
  • Issuer name:
    Zions Bank
  • Details:

    The Premier Visa® Credit Card earns 2.5% Cash Back (or 2.5x points) on all Travel purchases and 1.5% Cash Back (or 1.5x points) on everything else. Get $150 or 15,000 points when you spend $4,000 within the first 90 days.

    It has a $0 introductory annual fee for the first year, then $95. The Card's APR: 19.49% to 27.49% (Variable).

  • Pros:
    • Rewards program
  • Cons:
    • Annual Fee
  • Benefits:
    • $150 Cash or 15,000 points when you spend $4,000 within the first 90 days;
    • 2.5% Cash Back or 2.5x points on all Travel purchases;
    • 1.5% Cash Back or 1.5x points on everything else;
    • Trip cancellation insurance;
    • Travel accident insurance;
    • Lost and delayed baggage reimbursement;
    • Complimentary 24-hour Visa Signature® Concierge service.
Card detail

How to Choose the Right Zions Bank Credit Card?

Choosing the right credit card from a specific credit card issuer can be challenging. Considering Zions Bank, the three following steps can help you.

First of all, you should figure out your current credit score. It can vary from "Poor” to “Excellent”, and the higher your credit score is, the better Zions Bank options of credit cards are available to you.

Secondly, you need to understand why you need a Zions Bank credit card and determine the most crucial aspects your potential credit card must have. If you search for a credit card to improve your credit score, then look for the ones with long grace period and no annual fee. If you want to save money on interest, Zions Bank credit cards with the smallest interest and long intro offer are your best choice. If you need a credit card that will provide you cash rewards, pay attention to the rewards program offered by Zions Bank.

Finally, you should compare the Zions Bank offers you find the best for you, but looking at all the aspects. In general, the perfect credit card has the following characteristics: near-zero interest rate, no fees, high credit limit, the finance charge calculations include one billing cycle only, and generous rewards and sign-up bonuses. You can easily compare Zions Bank credit cards in the table below.

Side-by-Side Comparison of Zions Bank Credit Cards

Card Name APR Annual fee Rewards Intro offer
AmaZing Rewards® Business 19.49% Variable $0
  • 3x Points for every $1 you spend on select business purchases, including office supplies, cellular services, internet services, telecommunications and cable TV.
  • 2x Points for every $1 you spend on select business travel purchase, including airline and car rentals.
  • 1x Point for every $1 you spend on your AmaZing Rewards for Business credit card.
  • No current offer.
  • Reserve 14.24% - 24.24% Variable $450
  • 3% Cash Back or 3x points on travel and dining purchases.
  • 2% Cash Back or 2x points on everything else.
  • $500 Or 50,000 points when you spend $5,000 within the first 90 days.
  • AmaZing Rewards® for Business 16.24% Variable $0
  • 3x AmaZing Rewards Points for common business expenses, including cellular services, internet services, office supplies, cable TV and telecommunications.
  • 2x AmaZing Rewards Points for travel-related expenses, including airlines and vehicle rentals.
  • 1x AmaZing Rewards Point on all other purchases.
  • 75,000x Points when you spend $7,500 in the first 120 days.
  • Elite Visa® 19.49% - 27.49% Variable $195
  • 3% Earn 3% Cash Back or 3x points on all Travel & Dining purchases.
  • 1.5% Earn 1.5% Cash Back or 1.5x points on everything else.
  • $300 Get $300 or 30,000 points when you spend $5,000 within the first 90 days.
  • Vivid Rewards Visa® 17.50% - 29.50% Variable $0
  • 3x Points per $1 spent on dining, entertainment, transit, and digital services.
  • 1x Point per $1 spent on all other eligible purchases.
  • No current offer.
  • Clarity Visa® 15.00% - 24.00% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Agility Cash Visa® 17.50% - 29.50% Variable $0
  • 1.5% Cash Back on all purchases.
  • No current offer.
  • AmaZing Rate® for Business 15.49% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Reserve Visa® 19.49% - 29.49% Variable $450
  • 3% Cash Back (or 3x points) on travel & dining.
  • 2% Cash Back (or 2x points) on everything else.
  • $500 Bonus (or 50,000 points) when you spend $5,000 in the first 90 days.
  • AmaZing Cash® for Business 18.49% Variable $0
  • 3% Cash Back on common business-related expenses, including cellular services, internet services, office supplies, cable TV and telecommunications.
  • 2% Cash Back on travel-related purchases, including airlines and vehicle rentals.
  • 1% Cash Back on all other purchases.
  • $750 Cash Back when you spend $7,500 in the first 120 days.
  • Reserve Visa® 19.49% - 29.49% Variable $450
  • 3% Cash or 3X points on all Travel & Dining purchases.
  • 2% Cash or 2X points on everything else.
  • $500 Cash or 50,000 points when you spend $5,000 within the first 90 days.
  • Premier Visa® 19.49% - 27.49% Variable $95
  • 2.5% Cash Back or 2.5x points on all Travel purchases.
  • 1.5% Cash Back or 1.5x points on everything else.
  • $150 Cash or 15,000 points when you spend $4,000 within the first 90 days.
  • Conclusion

    Zions Bank has a wide range of credit cards with numerous features, yet it’s better to find the one that designed for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us