Zions Bank Credit Cards

Zions Bank is a leading regional bank with over 120 branches across Utah, Wyoming, and Idaho. The bank, part of Zions Bancorp, offers a variety of fo banking and credit card products designed for businesses and consumers alike. Browse credit card offers below.

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Zions Bank Agility Visa® Credit Card

Zions Bank Agility Visa® Credit Card
  • Regular Purchase APR 12.25% to 24.25% variable based on the Prime Rate
  • Balance Transfer APR 12.25% to 24.25% variable based on the Prime Rate
  • Cash Advance APR 21.25% to 25.25% 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
  • Earn 1.5% cash back on all purchases
  • Choose automatic redemption and decide whether to receive cash back every month, every quarter, or when you reach certain amounts
  • 0% intro APR on purchases and balance transfers
  • No annual fee or foreign transaction fee
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 12.25% to 24.25% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 12.25% to 24.25% 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: 21.25% to 25.25% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $30
Credit Card Deals

Zions Bank Clarity Visa® Credit Card

Zions Bank Clarity Visa® Credit Card
  • Regular Purchase APR 9.75% to 18.75% variable based on the Prime Rate
  • Balance Transfer APR 9.75% to 24.25% variable based on the Prime Rate
  • Cash Advance APR 21.25% to 25.25% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Fair , Poor
  • Intro Purchase APR 0% for 6 months from account opening date
  • Processing Network Visa
Best Benefits
  • Enjoy one of Zions Bank’s lowest rates available
  • No annual fee, foreign transaction fee, nor late fee
  • 0% intro APR on purchases (for 6 months) and balance transfers (for 15 months)
  • Cell phone protection and contactless-enabled technology available
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 9.75% to 18.75% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months on transfers made within 60 days from account opening date
  • Balance Transfer APR: 9.75% to 24.25% 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: 21.25% to 25.25% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
Credit Card Deals

Zions Bank AmaZing Rate for Business Credit Card

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

Zions Bank AmaZing Rewards for Business Credit Card

Zions Bank AmaZing Rewards for Business Credit Card
  • Regular Purchase APR 14.24% variable based on the Prime Rate
  • Balance Transfer APR 14.24% variable based on the Prime Rate
  • Cash Advance APR 19.24% 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
  • Earn up to 3X points on purchases
  • No limit on the number of points you can earn
  • Credit limit up to $250,000
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 14.24% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 14.24% 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: 19.24% 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

Zions Bank AmaZing Cash for Business Credit Card

Zions Bank AmaZing Cash for Business Credit Card
  • Regular Purchase APR 12.25% variable based on the Prime Rate
  • Balance Transfer APR 12.25% variable based on the Prime Rate
  • Cash Advance APR 19.24% 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
  • Credit limit up to $250,000
  • Earn up to 3% cash back rewards
  • No rewards fees
  • 0% intro APR on purchases and balance transfers
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 12.25% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 12.25% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 2% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 19.24% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $5 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

Zions Bank AmaZing Rewards Credit Card

Zions Bank AmaZing Rewards Credit Card
  • Regular Purchase APR 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 20.24% to 22.24% variable based on creditworthiness and 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
  • 2X points fro the first 90 days; 1X points on all purchases after that
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 11.24% to 18.24% 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 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
Credit Card Deals

Zions Bank AmaZing Cash Credit Card

Zions Bank AmaZing Cash Credit Card
  • Regular Purchase APR 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 20.24% to 22.24% variable based on creditworthiness and 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
  • 2% cash back fro the first 90 days; 1% cash back on all purchases after that
  • Customize your card with your own image or photo with myPHOTOcard®
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 11.24% to 18.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 11.24% to 18.24% 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 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
Credit Card Deals

Zions Bank AmaZing Low Rate Credit Card

Zions Bank AmaZing Low Rate Credit Card
  • Regular Purchase APR 9.24% to 15.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.24% to 15.24% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 20.24% to 22.24% variable based on creditworthiness and 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
  • Access to Zions AmaZing Deals app
  • No balance transfer fee from exisiting Zions accounts
Rates & Fees
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 9.24% to 15.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 9.24% to 15.24% 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 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
Credit Card Deals

About Zions Bank

Zions Bank, part of Zions Bancorp, is a Utah-based bank and financial institution. The history of Zions dates to 1879 and the founding of Zion’s Bank Savings Bank and Trust Company by Utah pioneer, Brigham Young. Zions bank is the first state-chartered bank in Utah.

The bank has a history of financing major projects, including the Salt Lake and Los Angeles Railway (now the Union Pacific Railroad), the Salt Lake Gas Company (now Questar Gas), and Big Cottonwood Power Company (now Rocky Mountain power) among others.

Zions began expansion in 1985, purchasing Nevada State Bank. The expansion continued through the following years, with the bank now operating in Texas, Arizona, California, Idaho, Nevada, Colorado, Oregon, Utah, New Mexico, and Washington State.

Zions Bancorp Banks

Zions Bank is just one part of the Zions Bancorp family of banks. Other members include:

Branch Locations

Zions Bank serves clients in the states of Utah and Idaho. There are twenty branches within Utah and twenty branches in the State of Idaho. For a complete listing of Zions Bank branches and ATMs, please visit the bank’s dedicated location finder page.

Zions Bank FAQs

Here are answers to commonly asked questions about Zions Bank:

  • Yes, Zions bank accounts are FDIC insured.
  • While Zions Bank was founded by Brigham Young and the Church of Latter-Day Saints owned a controlling share until 1960, the Mormon Church does not currently own the bank. Regardless, Zions Bank has always been inclusive to all.
  • The routing number for Zions Bank is 124000054.
  • The SWIFT Code for Zions is ZFNBUS55.

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