Zions Bank Visa Signature
Zions Bank Visa Signature
Zions Bank Visa Signature
Card details
Earn 1 point per $1 spent on purchases
Must be a resident of Utah or Idaho
Credit card purchases earn 1% back, via the AmaZing Rewards program
With this card, the $25 annual fee to join AmaZing Rewards is waived
Rewards start at 2,000 points
Rates, fees & offers
Annual fee
$0
Rewards rate
1.00%
Bonus offer
None
Intro APR
N/A
Ongoing APR
Purchase: 8.00%, Variable
Cash Advance APR: 19.99%, Variable
Balance transfer fee
2%
Foreign transaction fee
2%
Recommended credit score
Compare to other cards
 Zions Bank Visa Signature | ||
|---|---|---|
| Learn more | Learn more | |
Annual fee$0 | Annual fee$99 | Annual fee$199 |
Regular APR8.00% Variable | Regular APRSee Terms | |
Intro APRN/A | Intro APR0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%-29.99%. | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Tim Chen
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Rating details
3
Editor's overall rating
Pros and cons
Pros
No annual fee
Cons
Zions Bank is a fairly large bank with a regional bank mentality. This means their credit card offerings are more consumer-friendly than you’d expect from a bigger bank.
The Visa Signature is a great card if you have excellent credit and you carry a balance or want to transfer a balance over from another card. Like the other Zions Bank cards, its 2% transfer fee is lower than the 2.5-3.0% fee that most cards charge, and the ongoing APR ranks very well against the hundreds of other cards we evaluate. Plus there’s no annual fee.
On top of this, the Visa Signature carries the same 1% cash back reward rate as their other cards, and Zions will deposit the cash directly into your account as soon as you’ve earned $50 in rewards. While we here at NerdWallet don’t consider 1% to be especially high, you usually end up paying for those rewards with a higher APR or annual fee. But at Zions Bank, that’s not the case. You can have your cake and eat it too.
