Zions Bank AmaZing Rate for Business Credit Card

Advertiser Disclosure Editorial Disclosure

Last updated on September 13th, 2021

Zions Bank AmaZing Rate for Business Credit Card

0% Intro APR on Balance Transfers for 12 Months

Zions Bank AmaZing Rate for Business Credit Card
  • Regular Purchase APR 10.24% variable based on the Prime Rate
  • Balance Transfer APR 10.24% variable based on the Prime Rate
  • Cash Advance APR 16.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • No annual fee
  • 0% introductory APR on purchases and balance transfers
  • Credit limits up to $250,000
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 10.24% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 10.24% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 16.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $29
  • Over Limit Penalty Fee: Up to $29
Credit Card Deals
card
Every 4th Night Free + Premium Benefits in Miami Mr C. Miami - Coconut Grove Offer Expires on Sep 09, 2021 See Details
card
Get 30% Off state & federal consumer tax filing with TaxAct TaxAct Offer Expires on Oct 10, 2021 See Details
card
Special Offer from Daily Burn: 30 Days FREE + 50% Off Your First Month Daily Burn INC Offer Expires on Jan 01, 2022 See Details
card
Enjoy 20% off sitewide at Welry.com Welry Offer Expires on Jan 01, 2022 See Details
card
Save $30 + Free Shipping on Purchases over $120 GlassesUSA.com Offer Expires on Dec 12, 2021 See Details
card
Employee pricing with everyday savings up to 35% HP Offer Expires on May 05, 2022 See Details
card
$100 USD Dining Credit + Premium Benefits in Miami Beach SLS South Beach Offer Expires on Sep 09, 2021 See Details
card
Every 4th Night Free + Premium Benefits in New York Andaz 5th Avenue Offer Expires on Dec 12, 2021 See Details
card
Every 3rd Night Free + Premium Benefits in Chicago The Peninsula Chicago Offer Expires on Sep 09, 2021 See Details
card
Save $75 off 3 orders of Nom Nom fresh food Nom Nom Offer Expires on Jan 01, 2022 See Details

At a Glance

The Zions Bank AmaZing Rate for Business Card is a low APR business credit card that benefits from 0% intro APR on purchases and balance transfers, a fixed APR after that, and no annual fee.

Ideal for Those Who:

  • Plan to carry a balance
  • Prefer a fixed-rate APR over a variable APR
  • Don’t want to pay an annual fee

Zions Bank AmaZing Rate for Business Card Review

Zions Bank is a Wyoming, Idaho, and Utah-centric financial institutions that offer an array of quality credit card products to both individuals and businesses, and the AmaZing Rate for Business Credit Card is one such product.

A Great Low Fixed Rate

The AmaZing Low Rate for Business Card offers a highly competitive interest rate for companies that plan to carry a balance. Unlike some other business cards, Zions provides a fixed interest rate that only varies with the Prime Rate. The rate, 6.99% + Prime, is extremely competitive and almost 4% lower than the national average for minimum APR on business cards – nothing to scoff at!

0% Intro APR on Purchases and Balance Transfers

The great, low fixed APR is further boosted by 0% intro APR on both balance transfers and purchases, making the AmaZing Rate Card a solid choice for businesses with existing credit card balances they wish to pay down, as well as a tool for financing larger purchases over time. The intro APR on balance transfers is for 12 months, while the intro 0% APR for purchases is six months.

Many business credit cards offer 0% intro APR on either purchase or balance transfers, but a card that provides both isn’t as common as one might think – a feather in the cap of Zions Bank.

Built for Businesses Who Carrying a Balance

This combination of a great, low APR and a respectable 0% introductory APR period creates a card that is conducive for both balance transfers and financing more significant purchases over time.

Carrying a balance is essential for many businesses, as cash flow is the lifeblood of every company, regardless of its size, and the Zions Bank Low Rate Card gives smaller companies this flexibility.

The cash advance APR of Prime Rate + 12.99% further enhances the card’s flexibility. This rate is excellent for a cash advance rate, as many similar cards have an APR in the low-to-mid 20% range. While advances tend to be costly, they provide additional cash flow, and the low APR makes the sting a little more bearable.

Additional Savings Through SavingsEdge

The Low Rate Card, like all Zions Bank AmaZing Credit Cards, receives additional savings through Visa’s SavingsEdge Program. The program is free to enroll in and allows cardholders to enjoy extra savings at an impressive array of retailers. Examples of savings include:

  • Up to 5% savings with hotel partners, including Super 8, La Quinta, Wyndham, and more
  • Up to 5% savings with dining chains like Red Robin or Panda Express
  • Savings with business solution brands, like Microsoft, Stamps.com, Mail Chimp, and more.

While this perk isn’t unique to Zions, it is nonetheless a nice feature that adds value to the Low Rate Card.

Should You Apply for the Zions Bank AmaZing Rate for Business Credit Card?

Carrying balances is an integral part of a business credit card, and the AmaZing Rate for Business Card from Zions Bank does this with style. The card benefits from 0% intro APR on balance transfers and purchases for the first six months, followed by an exceptional – and fixed – interest rate after that.

The addition of SavingsEdge brings some extra value to the table, and the healthy credit limits of up to $250,000 don’t hurt either, but the major selling point of this card is the exceptional interest rates and quality 0% introductory periods. Everything else is just little bonuses that make this card an excellent option for Idaho, Utah, and Wyoming-based companies to consider.

Browse Other Card Offers from Zions Bank: