Elite Visa® from Zions Bank Review

All benefits

• Cash back
  • 3% On all Travel & Dining purchases.
  • 1.5% On everything else.
• Travel
  • Trip cancellation insurance:
  • Trip Cancellation Insurance will reimburse you for the amount of pre-paid, non-refundable travel expenses (e.g. airline, cruise, train, hotel, etc.).
  • Travel accident insurance:
  • Travel accident insurance is a specialized type of travel insurance plan. Essentially, it acts as life insurance and insurance against accidental death and dismemberment in the case of a travel accident.
  • Lost and Delayed Baggage Reimbursement:
  • If your luggage is delayed or missing, the airline has 21 days to find it and get it to you. If you get your luggage back within 21 days, you can still claim compensation for delayed luggage. If you don't, claim for lost luggage.
  • Visa Luxury Hotel Collection:
  • Automatic Upgrades and VIP Guest Status at more than 900 luxury hotels around the world through the Visa Luxury Hotel Collection.

Rate and fee information

• Purchase Intro APR
  • None
• Purchase APR
  • 19.49% - 27.49% Variable
• Intro Balance Transfer APR
  • 0% Intro APR for 6 months on balance(s) transferred within 60 days from a non-Zions Bancorporation, N.A. account
• Balance Transfers APR
  • 19.49% - 27.49% Variable
• APR for Cash Advances
  • 28.49% - 29.49% Variable
• How to Avoid Paying Interest
  • Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on purchases and balance transfers if you pay your entire balance due by the due date each month. You will be charged interest on cash advances on the transaction date.

Fees

Pros & Cons

Features

• No foreign transaction fees
• Cashback
• Rewards
• Bonus points
• Travel
• Airline
• Lost Luggage Reimbursement
• Baggage Delay Insurance
• Lowest Hotel Rates Guarantee
• Trip Cancellation
• 24/7 Travel Assistant
• Good Credit
• Excellent Credit