USES

Reserve Visa® from Zions Bank Review

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

Updated December 07, 2023
Advertiser Disclosure Our Methodology
Zions Reserve Visa®
Apply now
Our Rating:
4.29 out of 5
scorer
Recommended 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.
  • Annual Fee:
    $450 annually ($50 per year for each additional person on account)
  • Purchase Intro APR:
    None
  • Regular APR:
    19.49% - 29.49% Variable
  • Balance Transfer APR:
    19.49% - 29.49% Variable
Show more

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Zions Bank Reserve Visa® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3%
Travel
$
3%
Dining
$
2%
All other purchases
$
Have you already recieved the Zions Bank intro bonus?
Calculate
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All benefits

  • Cash back
    • 3% On travel & dining.
    • 2% On everything else.
  • Travel
    • $250 Annual travel credit.
    • 24-hour Visa Signature® Concierge Service:
    • Provides Visa Signature cardholders with personalized information and referrals on a wide range of topics related to travel, dining, and entertainment.
    • Visa Signature Luxury Hotel Collection:
    • Exclusive benefits in the most prestigious hotels.
    • Trip cancellation insurance:
    • Covers you in some cases if you are obliged to cancel your trip due to unforeseeable causes beyond your control.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 19.49% - 29.49% Variable
  • Intro Balance Transfer APR
    • 0% Intro APR for 6 months on balance(s) transferred within 60 days from a nonZions Bancorporation, N.A. account
  • Balance Transfers APR
    • 19.49% - 29.49% 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
    • $450 annually ($50 per year for each additional person on account)
  • 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
Cons:
  • Annual Fee

Features

Classic
Visa
  • No foreign transaction fees
  • Cashback
  • Rewards
  • Travel
  • Airline
  • Trip Cancellation
  • 24/7 Travel Assistant
  • 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 Reserve Visa® is an option for those, who need Classic features. With an APR of 19.49% - 29.49% and $450 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Excellent (740-799) credit score. With Zions Bank Reserve 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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