Zions Bank is a subsidiary of Zions Bancorporation that has bank offices and ATMs in 10 Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah and Washington. Zions Bank was founded in 1873 by Brigham Young, the founder of The Church of Jesus Christ of Latter-day Saints, and was owned by the church until 1960. Zions Bank has an A+ rating from the Better Business Bureau based upon its years in business and its response to and resolution of consumer complaints.


Rank Chart
Reward Options
Our Score
8.24 - 18.0%
11.24 - 23.24%
11.24 - 23.24%
11.49 - 18.49%

The Good

APR Range

Zions’ AmaZing Rewards® Credit Card offers an introductory APR of 0% for the first 6 months and a variable APR of 11.49% to 18.49% afterwards. For balance transfers, they offer 0% intro APR for the first 12 months, and 11.49-18.49% variable APR after that.

Their AmaZing Cash® Back Credit Card offers 0% intro APR for 6 months on purchases and a 11.49-18.49% variable APR afterwards. This card also offers 0% intro APR on balance transfers for 12 months, then becomes a 11.49-18.49% variable APR after that.

The AmaZing Rate® credit card offers 0% intro APR for 6 months on all new purchases and ranges from 9.49-15.49% variable APR after the introductory period ends. This card gives 0% intro APR on balance transfers for the first 12 months and 9.49-15.49% variable APR thereafter.

When compared with cards that other credit card companies offer, Zions Bank offers slightly lower APRs than the national average. For example, while Zions’ APR ranges from 9.49% to 18.49%, Citibank offers APRs on their cards ranging from 12.24% to 24.24%.

Annual fee range

Zions Bank’s credit cards are superior when it comes to annual fees. All of their personal credit cards carry zero annual fees. When measured side by side with other credit cards, many cards on the market come with annual fees.

Customer support

Zions offers cardholders a Cardholder inquiry service, which provides fast help 24/7 to answer any questions customers have about their card. You can also contact them by regular mail, send a secure email upon logging into their Online Banking feature or visit of Zions’ Financial Centers.

Zions Bank offers several phone support numbers, including 24-Hour Telephone Banking (Reddi-Response®), Credit and Debit Card Support and General Inquiries, all available 24/7. This around-the-clock phone support compared equally with the majority of credit card companies.

Cards Offered

Zions Bank offers six Visa credit cards; three for individuals and three for businesses. The bank offers a lower APR on its credit cards that do not have a rewards program, and higher APRs for cards that offer either rewards points or cash back. Applicants must reside in Utah, Idaho, or Wyoming or have an existing banking relationship with Zions Bank in order to be considered for a credit card.

Here are all of Zions’ credit cards:
Personal Credit Cards

  • AmaZing Rate® Low Rate Credit Card
  • AmaZing Rewards® Credit Card
  • AmaZing Cash® Back Credit Card

Business Credit Cards

  • AmaZing Cash® Business Credit Card
  • AmaZing Rewards® Business Credit Card
  • AmaZing Rate® Business Credit Card

Options for Rewards
Zions’ AmaZing Rewards® Credit Card Rewards Program gives customers these options:

  • Rewards points for everyday purchases
  • Applies credit card reward points toward any purchases made with your card
  • unlimited choices for merchandise or airline seats
  • Eliminates markup prices of third-party web sites, payment processors and middlemen
  • Points don’t expire
  • No limits on the credit card reward points you earn

For their AmaZing Rewards® and AmaZing Cash® cards, some of the best rewards options are:

  • 1 point for every $1 spent on purchases
  • Double rewards points your first 90 days
  • Annual Rewards Bonus

One unique rewards aspect that Zions Bank’s credit cards offer Customers is the option to shop online with Zions’ Online Cash Back Shopping. When customers shop at Zions’ rewards site, Zionssamazingdeals.com, they get up to 20% cash back from major online stores like Target.com, Gap.com, Starbucks.com and ToysRUs.com.


Zions Bank offers customers credit cards that automatically include great security features, including:

  • Free Mobile Fraud Alert Service automatically sends you a text when suspicious activity is detected on your Visa® or MasterCard® credit or debit card to let you react to fraud immediately with a simple text reply
  • Free Purchase Alerts notifies you on your mobile phone when pre-set Visa credit or debit card account criteria are triggered, letting you monitor account activity in real-time
  • Zero Liability protects cardholders from liability for unauthorized purchases made with your low rate credit card or account information

These features are universal for all cards at Zions Bank. Sometimes security benefits can vary from card to card with certain companies, but Zions makes sure every card, from basic to elite level, gets the same protection, which is very commendable.

Unique Features

One of the features that make Zions Bank credit cards stand out is their myPHOTOcard® feature, which lets you customize your card with your own image or photo. Several of the other credit card companies we reviewed did not offer personalized cards.

Here are some other features that make Zions Bank credit cards notable compared to many Cards offered by other companies:

  • Car rental collision damage waiver: protects you if your rental car is damaged from an accident or theft.
  • Travel accident insurance: gives you accidental death and dismemberment coverage when you purchase tickets with your card.
  • Travel and emergency assistance: helps arrange medical, legal and travel services when you’re away from home.
  • Warranty Manager: extends the manufacturer’s warranty on any item purchased with your card

One last note is that Zions is one of the few credit card companies that offer an app for mobile users. Their AmaZing Deals® Mobile App is available for both Apple and Android and offers users thousands of “show your phone” coupons and cash back deals. This occurs through Instant savings deals, where you show the mobile coupon displayed in the app to the merchant and pay with your Zions Bank Visa card or by Cash back rewards—where you pay directly with your Zions Bank Visa card. This app makes accessing rewards much easier for customers without having to print out coupons or go to certain websites to access your rewards. Zions does a great job with this.

The Bad

Late Payment

None of Zions Bank’s credit cards display their late fees. In their credit card written agreement, Zions acknowledges there is a late fee for customers who miss the payment due date, but they do not provide a nominal amount. This is contrary to almost every credit card company in business today, each who displays their late fees openly on their website. It makes us question why they do not choose to reveal the amount of their late fees. Without knowledge of this, customers could end up (if approved for a card) paying an excessive amount compared to other credit cards, the average late fee being up to $35.

Foreign Transaction Fees

If you plan on traveling to other countries with different currencies (and using your Zions Bank credit card), Zions charges an International Transaction fee. This fee will be disclosed on your credit card statement but will be included in the total amount of your international purchase or international cash advance. The problem is, the actual dollar amount of the fee is undisclosed. This goes against 99% of credit card companies who all offer their foreign transaction fees openly on their website and/or in their written card agreements. Without a foreign transaction fee listed, we cannot compare Zions’ fees to their competitors, which averages at 3% in the credit card industry.

Building Credit/Student Cards

Consumers seeking student credit cards, secured or “starter” cards to help build their credit will find that Zions Bank does not offer this opportunity. Their personal cards are unsecured, geared toward non-students and people who are “creditworthy”. Compared to some major companies, Zions falls short in this area.

The Bottom Line

Consumers and businesses have a range of choices with the Visa cards offered by Zions Bank. You can choose a card with no rewards that offers a lower APR or pay a higher APR and get a card that gives you either 1% cash back or 1 rewards point for every $1 in purchases. A plus of the rewards program offered by Zions Bank is that you can use your cash back or rewards points to pay for any transaction on your credit card, so you are not locked into using a catalog or shopping from only specific vendors or service providers. All of the Visa’s offered by Zions Bank have no annual fees.

The Visa cards for individuals offer a “Zero Liability” policy protecting you from unauthorized charges. Individuals can also sign up for the bank’s Mobile Card Fraud Alert that will send you a text message if there is a suspicious purchase with your card and allows you to respond via text “Y” if the charge unauthorized or “N” if the charge is valid.

All of the Visa cards offered by Zions Bank for individuals have a range of APRs depending on your creditworthiness. The business Visa cards have APRS that are below the national average. You can customize your card and they have an app that lets you show merchants your rewards coupons for in-store discounts. With attractive APRs, no annual fees, and flexible rewards on most of its cards, we recommend the credit cards offered by Zions Bank.

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