Zions Bank Logo
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Overall Score

LAST UPDATED: January 21st, 2022

Founded in 1873, Zions Bank is a subsidiary of Zions Bancorporation, which is a financial services company that offers banking, loans, and credit cards.

Top Ranked Companies


The Good

  • Competitive APRs
  • Rewards programs
  • No annual fees
  • Security

Competitive APRs

Zions Bank offers an introductory APR of 0 percent for the first 6 months, with variable rates ranging from 9.49 to 18.49 percent thereafter*. These APRs are on the lower end of the spectrum when compared to industry average.

Rewards Programs

Zions Bank provides its customers with a number of programs that they can participate in to earn rewards for everyday purchases. Earned points never expire and can be redeemed for merchandise and airline tickets. Cardholders also have the opportunity to earn cash back and bonuses.

No Annual Fees

Zions Bank does not charge any annual fees to be a cardholder, which can save customers hundreds of dollars each year.


Zions Bank offers credit cards that automatically include a number of security features, including free mobile fraud alerts, free purchase alerts, and zero liability to protect cardholders from unauthorized charges.

The Bad

  • Undisclosed information
  • No free credit score tracking

Undisclosed Information

Zions Bank has not disclosed whether or not it charges late payment fees or foreign transaction fees on its corporate website. This lack of transparency is frustrating for consumers who don't want to be hit with any hidden fees after they've already signed up.

No Free Credit Score Tracking

Some credit card companies provide their customers with free credit score tracking to help them stay on top of their credit. Unfortunately, Zions Bank does not offer this service.

The Bottom Line

Zions Bank offers competitive APRs, rewards programs, no annual fees, and security features. However, the company has not disclosed certain fee information on its website and does not provide its cardholders with free credit score monitoring.
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