How to Choose the Right Zions Bank Credit Card?
Choosing the right credit card from a specific credit card issuer is quite hard. Considering Zions Bank, there are three steps that can make your decision process easier.
First and foremost, you need to figure out your current credit score. It will be from "Poor” to “Excellent”, and the higher your credit is, the better Zions Bank credit card offers and terms are available to you.
Then, you should understand why you need a Zions Bank credit card and determine the most important features your future credit card should have. If you want a credit card to increase your credit score, look for the ones with long grace period and no annual fee. If your aim is to avoid spending money on interest, Zions Bank credit cards with the lowest interest and introductory rates are your option. If you are looking for a credit card that will provide you cash, points, or miles rewards, check the rewards program the Zions Bank offers.
Finally, compare the Zions Bank offers you find the best for you, but now considering all the features. In general, an ideal credit card has the following characteristics: low annual percentage rate (APR), long grace period, low fees, high credit limit, and large 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
Today, Zions Bank issues a range of credit cards with numerous options, yet it’s important to find the one that designed for you.
