Browse Zions Bank Credit Cards Card Reviews

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Zions Bank Vivid Rewards Visa® Credit Card

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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 NeededBestCards.com uses a variation of FICO Score 8, 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.
Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

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Date Reviewed: November 18, 2021

Best Benefits

Earn 3 points per $1 spent on dining, entertainment, transit, and digital services
Earn 1 point per $1 spent on all other eligible purchases
No annual fee or foreign transaction fee
0% intro APR on purchases (for 6 months) and balance transfers (for 12 months)

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

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Zions Bank Agility Visa® Credit Card

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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 NeededBestCards.com uses a variation of FICO Score 8, 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.
Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

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Date Reviewed: November 18, 2021

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

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Zions Bank Clarity Visa® Credit Card

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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 NeededBestCards.com uses a variation of FICO Score 8, 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.
Fair , Poor
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Visit Card Site Read Review Terms & Conditions

Date Reviewed: November 18, 2021

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

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Zions Bank AmaZing Rate for Business Credit Card

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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 NeededBestCards.com uses a variation of FICO Score 8, 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.
Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Visit Card Site Read Review Terms & Conditions

Date Reviewed: October 21, 2021

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

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Zions Bank AmaZing Rewards for Business Credit Card

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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 NeededBestCards.com uses a variation of FICO Score 8, 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.
Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Visit Card Site Read Review Terms & Conditions

Date Reviewed: October 21, 2021

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

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Zions Bank AmaZing Cash for Business Credit Card

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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 NeededBestCards.com uses a variation of FICO Score 8, 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.
Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Visit Card Site Read Review Terms & Conditions

Date Reviewed: October 21, 2021

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

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Zions Bank AmaZing Rewards Credit Card

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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 NeededBestCards.com uses a variation of FICO Score 8, 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.
Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Visit Card Site Read Review Terms & Conditions

Date Reviewed: October 21, 2021

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

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Zions Bank AmaZing Cash Credit Card

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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 NeededBestCards.com uses a variation of FICO Score 8, 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.
Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Visit Card Site Read Review Terms & Conditions

Date Reviewed: October 21, 2021

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

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Zions Bank AmaZing Low Rate Credit Card

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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 NeededBestCards.com uses a variation of FICO Score 8, 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.
Excellent , Good
Intro Purchase APR 0% for 6 months from account opening date
Processing Network Visa

Visit Card Site Read Review Terms & Conditions

Date Reviewed: October 21, 2021

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

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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:

Amegy Bank of Texas
California Bank and Trust
Commerce Bank of Oregon
Commerce Bank of Washington
National Bank of Arizona
Nevada State Bank
Vectra Bank of Colorado

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:

Is Zions Bank FDIC insured?

Yes, Zions bank accounts are FDIC insured.

Does the Mormon Church own Zions Bank?

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.

What is the routing number of Zions Bank?

The routing number for Zions Bank is 124000054.

What’s the SWIFT Code for Zions Bank?

The SWIFT Code for Zions is ZFNBUS55.

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