National Bank of Arizona

National Bank of Arizona is a leading bank and credit card issuer based in the state of Arizona. NBAZ – as it is also known – is part of the Zions Bancorp family of financial institutions, which also includes Zions Bank, Vectra Bank, California Bank & Trust, and others. Browse Arizona National Bank credit cards and offers below.

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National Bank of Arizona Reserve Credit Card

National Bank of Arizona Reserve Credit Card
Excellent
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent
Visa Processing Network
$450 Annual Fee

National Bank of Arizona Reserve Credit Card

  • 19.49% to 29.49% variable based on the Prime Rate Regular Purchase APR
  • 19.49% to 29.49% variable based on the Prime Rate Balance Transfer APR
  • 28.49% to 29.49% variable based on the Prime Rate Cash Advance APR

At a Glance

The National Bank of Arizona Reserve Card offers luxury rewards with an ultra-premium price tag. The card earns an impressive tally of points on every purchase, plus features a hefty introductory bonus.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Get $500 or 50,000 points when you spend $5,000 within the first 90 days
  • Earn 3% cash or 3X points on travel and dining purchases
  • Earn 2% cash or 2X points on everything else
  • $250 annual travel credit
  • Complimentary Priority Pass Select Lounge Access
  • No blackout dates or restrictions on redemptio
  • Regular Purchase APR: 19.49% to 29.49% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 19.49% to 29.49% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 28.49% to 29.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $450
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
  • You want an ultra-premium travel card
  • You plan to use their card for everyday purchases as well as for booking travel
  • You’re an existing account holder with NB | AZ or another Zions Bancorp bank
  • You don’t expect to visit airport lounges more than five times per year

National Bank of Arizona Elite Credit Card

National Bank of Arizona Elite Credit Card
Excellent
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent
Visa Processing Network
$195 Annual Fee

National Bank of Arizona Elite Credit Card

  • 19.49% to 27.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.49% to 27.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 28.49% to 29.49% variable based on creditworthiness and the Prime Rate Cash Advance APR

At a Glance

The National Bank of Arizona Elite Credit Card offers considerable value to cardholders but struggles to justify its hefty $195 annual fee. The card earns a competitive 3X on travel and dining purchases, but other cards comparable perks at a lower price point.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Get $300 or 30,000 points when you spend $5,000 within the first 90 days
  • Earn 3% cash or 3X points on travel and dining purchases
  • Earn 1.5% cash or 1.5X points on everything else
  • $100 annual travel credit
  • No blackout dates or restrictions on redemptio
  • Regular Purchase APR: 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 28.49% to 29.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $195
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $35
  • You frequently use your credit card on travel and dining purchases
  • You have a current credit card balance you want to pay down over 6 months at a lower rate
  • You want a card that is versatile worldwide, thanks to no foreign transaction fees
  • You currently bank with National Bank of Arizona, or another Zions Bancorp brand

National Bank of Arizona AmaZing Rewards® for Business Card

National Bank of Arizona AmaZing Rewards® for Business Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

National Bank of Arizona AmaZing Rewards® for Business Card

  • 18.49% variable based on the Prime Rate Regular Purchase APR
  • 18.49% variable based on the Prime Rate Balance Transfer APR
  • 24.49% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR

At a Glance

The National Bank of Arizona AmaZing Rewards® for Business Card is a quality rewards card that earns big points in the categories companies rely on most. The card also features a modest interest-free period and no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 30,000 bonus points after spending $3,000 in the first 90 days
  • Earn 3X points on cellular services, internet services, office supplies, cable TV and telecommunication
  • Earn 2X points for travel-related expenses, including airlines and vehicle rentals
  • Earn 1X points on all other purchases
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 18.49% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 18.49% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.49% 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
  • You use your credit cards to spend heavily on company infrastructure or technology
  • You plan to use the card to book domestic travel for employees
  • You anticipate spending at least $3,000 in purchases within the first 90 days
  • You don’t want to pay an annual fee

National Bank of Arizona AmaZing Cash® for Business Card

National Bank of Arizona AmaZing Cash® for Business Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

National Bank of Arizona AmaZing Cash® for Business Card

  • 18.49% variable based on the Prime Rate Regular Purchase APR
  • 18.49% variable based on the Prime Rate Balance Transfer APR
  • 24.49% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR

At a Glance

The National Bank of Arizona AmaZing Cash® for Business Card offers companies big value for no annual fee. The card earns 3% back on office supplies and technology, 2% back on travel, and 1% back on everything else.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 3% cash back on common business-related expenses, including cellular services, internet services, office supplies, cable TV and telecommunications
  • Earn 2% cash back on travel-related purchases, including airlines and vehicle rentals
  • Earn 1% cash back on all other purchases
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 18.49% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 18.49% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 24.49% 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
  • You plan to use your new card to invest in your company immediately
  • You like to use your card to book domestic travel for employees
  • You anticipate spending at least $3,000 in purchases within the first 90 days
  • You prefer cash back to rewards points
  • You don’t want to pay an annual fee

National Bank of Arizona AmaZing Rate® for Business Card

National Bank of Arizona AmaZing Rate® for Business Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

National Bank of Arizona AmaZing Rate® for Business Card

  • 15.49% variable based on the Prime Rate Regular Purchase APR
  • 15.49% variable based on the Prime Rate Balance Transfer APR
  • 21.49% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR

At a Glance

The National Bank of Arizona, AmaZing Rate® for Business Card offers companies an exceptional APR every day and no annual fee. The card also benefits from 0% intro APR for the first six months.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • 0% introductory APR on purchases and balance transfers for six months
  • $300 statement credit after spending $3,000 on purchases within the first three motnhs
  • National Bank of Arizona’s lowest rate
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 15.49% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 15.49% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 21.49% 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
  • You plan to use your card to invest in your business
  • You want a card that allows you to carry a balance every day
  • You plan to spend at least $3,000 within the first 90 days
  • You do’t want to pay an annual fee

National Bank of Arizona AmaZing Rewards® Credit Card

National Bank of Arizona AmaZing Rewards® Credit Card
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
None Annual Fee

National Bank of Arizona AmaZing Rewards® Credit Card

  • 9.99% variable based on the Prime Rate Regular Purchase APR
  • 9.99% variable based on the Prime Rate Balance Transfer APR
  • 9.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Double AmaZing Rewards points for the first 90 days
  • 0% intro purchase APR for 6 months after account opening
  • 0% intro balance APR for 6 months after account opening
  • Earn unlimited 1X points for every dollar spent
  • Intro Purchase APR: 0% for 6 months
  • Regular Purchase APR: 9.99% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months
  • Balance Transfer APR: 9.99% 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: 9.99% 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 $25
  • Return Payment Penalty Fee: Up to $25
  • N/A

National Bank of Arizona AmaZing Cash® Credit Card

National Bank of Arizona AmaZing Cash® Credit Card
Visa Processing Network
None Annual Fee

National Bank of Arizona AmaZing Cash® Credit Card

  • 7.99% to 14.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 7.99% to 14.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 20.24% to 22.24% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn cash back on every purchase
  • Intro APR for purchases of 0% for first six months after account opening
  • Intro APR for balance transfers of 0% for first twelve months after account opening, transfers must be requested within 90 days of opening account
  • Annual rewards bonus, based on your spending
  • No annual fee, Zero Liability, and other perks
  • Intro Purchase APR: 0% for 6 months
  • Regular Purchase APR: 7.99% to 14.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 7.99% to 14.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 20.24% to 22.24% 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 $25
  • Return Payment Penalty Fee: Up to $25
  • N/A

National Bank of Arizona AmaZing Rate® Credit Card

National Bank of Arizona AmaZing Rate® Credit Card
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
None Annual Fee

National Bank of Arizona AmaZing Rate® Credit Card

  • 5.99% to 11.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 5.99% to 11.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 5.99% to 11.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
  • 0% for 6 months Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Enjoy the convenience of one of the lowest interest rates for personal cards on the market
  • 0% introductory APR on purchases for 6 months after account opening
  • 0% introductory APR on balance transfers for 12 months after account opening
  • No annual fee
  • Visa Zero Liability
  • Intro Purchase APR: 0% for 6 months
  • Regular Purchase APR: 5.99% to 11.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months
  • Balance Transfer APR: 5.99% to 11.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 5.99% to 11.99% variable based on creditworthiness and 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 $25
  • Return Payment Penalty Fee: Up to $25
  • N/A

National Bank of Arizona AmaZing Launch Secured Credit Card

National Bank of Arizona AmaZing Launch Secured Credit Card
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
$25 Annual Fee

National Bank of Arizona AmaZing Launch Secured Credit Card

  • 12.99% variable based on the Prime Rate Regular Purchase APR
  • 12.99% variable based on the Prime Rate Balance Transfer APR
  • 12.99% variable based on the Prime Rate Cash Advance APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Low interest rate for a secured card – at least 2% lower than the national average APR for a secured card
  • Establish, or rebuild credit
  • Travel Accident Insurance and Auto Rental Insurance
  • Visa Zero Liability
  • Regular Purchase APR: 12.99% variable based on the Prime Rate
  • Balance Transfer APR: 12.99% 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: 12.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $25
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $25
  • Return Payment Penalty Fee: Up to $25
  • Minimum Deposit Required: $300
  • N/A

About National Bank of Arizona

National Bank of Arizona (stylized as NB|AZ) IS AN Arizona-based and chartered bank that is part of Zions Bancorp Family of Banks. NB|AZ is the largest bank in Arizona, with a history dating back to Mesa Bank. Mesa Bank was established in 1972.

Mesa was purchased by Utah-based Zions Bank in 1986, with the current NB|AZ branding coming much later. Today, the bank, headquarters in Tucson, AZ, has over $5 billion in total assets.

NB|AZ offers a full suite of banking products and services for consumers and businesses. These services include savings accounts, checking accounts, loans, mortgages, HELOC loans, and credit cards. The bank also provides business finance solutions for small companies across AZ.

Other Zions Bancorp Banks

NB|AZ is one of the eight members in the Zions Bancorp family of banks. Other member banks include:

NB|AZ Branch Locations

National Bank of Arizona currently operates approximately 60 branches throughout the State of Arizona. These locations include most major towns and cities throughout the state, including Tucson (headquarters), Sedona, Phoenix, Mesa, Flagstaff, Benson, Bullhead City, Scottsdale, and more.

For a full list of NB|AZ branches and ATMs, please visit the bank’s dedicated locations page.

FAQs About NB|AZ

Here are answers to common questions about NB|AZ:

  • The routing number for National Bank of Arizona is 122105320
  • NB|AZ currently has 60 branches throughout the state of Arizona.
  • Yes, NB|AZ customers can send and receive money through Zelle. They just need to set p an account through their online or mobile NB|AZ account.

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