USES

Elite Visa® from Zions Bank Review

Elite Visa® from Zions Bank — all information about the credit card.

Updated December 07, 2023
Advertiser Disclosure Our Methodology
Zions Bank Elite Visa®
Apply now
Our Rating:
4.31 out of 5
scorer
Recommended 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.
  • Annual Fee:
    $195 annually
  • Purchase Intro APR:
    None
  • Regular APR:
    19.49% - 27.49% Variable
  • Balance Transfer APR:
    19.49% - 27.49% Variable
Show more

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Zions Bank Elite Visa® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3%
Travel
$
3%
Dining
$
1.5%
All other purchases
$
Have you already recieved the Zions Bank intro bonus?
Calculate
Show less details

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

  • Annual Fee
    • $195 annually
  • Fees for Balance Transfer
    • 3% of the amount of each transaction, but not less than $5
  • Fees for Cash Advances
    • 5% of the amount of each transaction, but not less than $10
  • Penalty Fees
    • None
  • Return Payment
    • Up to $35
  • Late Payment
    • Up to $35
View all Rates & Fees

Pros & Cons

Pros:
  • No Foreign Transaction Fee
  • Intro APR period on balance transfers
Cons:
  • Annual Fee

Features

Classic
Visa
  • 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

About the issuer

Zions Bank
Zions Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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See Another Credit Cards in the Bank

Zions Bank Elite Visa® is an option for those, who need Classic features. With an APR of 19.49% - 27.49% and $195 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Zions Bank Elite Visa® you will get such features as No foreign transaction fees, Cashback, Rewards, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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