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 Clarity Visa® Credit Card

Zions Bank Clarity Visa® Credit Card
Fair-Poor
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: Fair / Poor
Visa Processing Network
None Annual Fee

Zions Bank Clarity Visa® Credit Card

  • 15.00% to 24.00% variable based on the Prime Rate Regular Purchase APR
  • 15.00% to 24.00% variable based on the Prime Rate Balance Transfer APR
  • 26.50% to 30.50% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR

At a Glance

Keep things simple with the Zions Bank Clarity Visa® Credit Card. The card is equipped to benefit your pockets with low rates, no annual fee, no late fees, and more. If transparency is what you’re looking for in a credit card, you’ve come to the right place.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 15.00% to 24.00% 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: 15.00% to 24.00% 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: 26.50% to 30.50% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • You want a simple everyday credit card with no extra fees for ease of mind
  • You want to pay down debt with lower rates
  • You find value in additional protection services for travel, mobile, and more

Zions Bank Agility Cash Visa® Credit Card

Zions Bank Agility Cash Visa® Credit 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

Zions Bank Agility Cash Visa® Credit Card

  • 17.50% to 29.50% variable based on the Prime Rate Regular Purchase APR
  • 17.50% to 29.50% variable based on the Prime Rate Balance Transfer APR
  • 26.50% to 30.50% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR

At a Glance

The Zions Bank Agility Cash Visa® Credit Card is a straightforward cash back card that earns 1.5% cash back on every dollar spent. The card offers a simple way to pay for purchases while earning value back and redeeming rewards as needed. Additionally, there is no annual fee, and you’ll get to enjoy promotional introductory APR rates.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 17.50% to 29.50% 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: 17.50% to 29.50% 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: 26.50% to 30.50% 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
  • You want a simple cash back card that will earn rewards on all purchases
  • You have plans to chip away at old debt with better rates by carrying over an existing balance
  • You want the benefits of having a credit card without having to pay an annual fee
  • You find value in additional protection services for travel, mobile, and more

Zions Bank Vivid Rewards Visa® Credit Card

Zions Bank Vivid Rewards Visa® Credit 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

Zions Bank Vivid Rewards Visa® Credit Card

  • 17.50% to 29.50% variable based on the Prime Rate Regular Purchase APR
  • 17.50% to 29.50% variable based on the Prime Rate Balance Transfer APR
  • 26.50% to 30.50% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR

At a Glance

The Zions Bank Vivid Rewards Visa® Credit Card is a fun card ready to reward you for living life boldly. Get ready to earn up to 3x the points per $1 spent with the Vivid Rewards Card on a wide range of purchases. Additionally, earn 1x point per $1 spent on everything else. The benefits don’t stop there. Enjoy all that Zions Bank Vivid Rewards Visa® Credit Card has got to offer, and more, all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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)
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 17.50% to 29.50% 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: 17.50% to 29.50% 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: 26.50% to 30.50% 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
  • You enjoy dining, entertainment, streaming, and more
  • You want to earn Rewards for purchases on things you love
  • You could use extra savings and benefits while traveling
  • You’re looking for a bold Rewards credit card without the added cost of an annual fee

Zions Bank AmaZing Cash for Business Credit Card

Zions Bank AmaZing Cash for Business Credit 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

Zions Bank AmaZing Cash for Business Credit Card

  • 19.49% variable based on the Prime Rate Regular Purchase APR
  • 19.49% 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 Zions Bank AmaZing Cash for Business Card earns up to 3% cash back on purchases while also benefiting from 0% intro APR on both purchases and balance transfers– all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 19.49% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0% for 12 months from account opening date
  • Balance Transfer APR: 19.49% 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 prefer cash back to reward points
  • You want an interest-free period to finance large purchases or pay down existing balances
  • You want to avoid the fluctuations of a variable interest rate
  • You do’t want to pay an annual fee

Zions Bank AmaZing Rewards for Business Credit Card

Zions Bank AmaZing Rewards for Business Credit 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

Zions Bank AmaZing Rewards for Business Credit Card

  • 19.49% variable based on the Prime Rate Regular Purchase APR
  • 19.49% variable based on the Prime Rate Balance Transfer APR
  • 24.49% variable based on the Prime Rate Cash Advance APR

At a Glance

The Zions Bank AmaZing Rewards for Business Card allows cardholders to earn up to 3X points on purchases in select categories. The card also benefits from 0% intro APR on both purchases and balance transfers, with a fixed-rate APR after that – all for no annual fee.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • Regular Purchase APR: 19.49% variable based on the Prime Rate
  • Balance Transfer APR: 19.49% 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’re based in Wyoming, Idaho, or Utah
  • You plan to pay off existing business card balances
  • You prefer a fixed interest rate to the uncertainty of a variable rate
  • You do’t want to pay an annual fee

Zions Bank AmaZing Rate for Business Credit Card

Zions Bank AmaZing Rate for Business Credit 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

Zions Bank AmaZing Rate for Business Credit 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 Intro Purchase APR

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.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • 0% introductory APR on purchases and balance transfers
  • Credit limits up to $250,000
  • Intro Purchase APR: 0
  • Regular Purchase APR: 15.49% variable based on the Prime Rate
  • Intro Balance Transfer APR: 0
  • 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 carry a balance
  • You prefer a fixed-rate APR over a variable APR
  • You don’t want to pay an annual fee

Zions Bank AmaZing Low Rate Credit Card

Zions Bank AmaZing Low 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

Zions Bank AmaZing Low Rate Credit Card

  • 9.24% to 15.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 9.24% to 15.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 20.24% to 22.24% variable based on creditworthiness and the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • 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
  • N/A

Zions Bank AmaZing Cash Credit Card

Zions Bank AmaZing Cash 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

Zions Bank AmaZing Cash Credit Card

  • 13.49% to 22.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 13.49% to 22.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 24.49% to 26.49% variable based on creditworthiness and the Prime Rate Cash Advance APR
  • 0 Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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®
  • Intro Purchase APR: 0
  • Regular Purchase APR: 13.49% to 22.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0
  • Balance Transfer APR: 13.49% to 22.49% 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: 24.49% to 26.49% 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

Zions Bank AmaZing Rewards Credit Card

Zions Bank 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

Zions Bank AmaZing Rewards Credit Card

  • 11.24% to 18.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 11.24% to 18.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 20.24% to 22.24% variable based on creditworthiness and the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • 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
  • N/A

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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