For anyone wanting a card that balances rewards and value, Zions Bank credit cards are worth exploring. With options for both personal use and business needs, these cards combine no annual fees, competitive APRs, and useful perks.
This guide breaks down everything you need to know about Zions Bank credit cards, from personal cards with no annual fees to premium cards packed with travel benefits and business solutions. Get started now!
Overview of Zions Bank Credit Cards
Zions Bank stands out by offering the personal touch of a local bank with the benefits of a national financial institution. Their credit cards are built to be practical, rewarding, and easy to use. Whether you’re new to credit or have years of experience managing finances, this bank has options that fit your needs.
Here’s what makes Zions Bank credit cards worth considering:
- No annual fees on most cards
- Flexible Zions Bank credit card rewards programs
- Low introductory interest rates
- Options for every credit level
- Backed by Visa, so you can use your Zions Bank credit cards almost anywhere around the world
Whether you’re looking to earn rewards on everyday purchases, reduce interest payments, or start building credit, Zions Bank offers a wide selection of personal credit cards with real benefits and transparent terms.
Personal Credit Cards from Zions Bank
Zions Bank provides a range of personal credit cards designed to match how you spend, save, and travel. Each card comes with unique features, from straightforward cash back to high-end travel perks:
Agility Cash Credit Card
If you want a card that gives you something back every time you spend, the Agility Cash card delivers just that. It offers 1.5% cash back on all your purchases, no matter where you shop. Plus, you can choose when you want to redeem your Zions Bank credit card rewards, whether every month, every quarter, or after reaching a specific amount.
Key Benefits:
- Earn 1.5% cash back on everything you buy
- No annual fee
- Flexible cash back redemption schedule
Intro offer: Double your cash back up to $200 for the first year.
Who it’s for: People who want a straightforward, no-fuss card that rewards them for everyday purchases like groceries, gas, and online shopping with Zions Bank credit cards.
Vivid Rewards Credit Card
The Vivid Rewards card is all about lifestyle. You’ll earn 3 points per $1 spent on the things you love like dining out, streaming services, concerts, rideshares, and more. All other purchases earn 1 point per $1.
Key Benefits:
- 3X points on dining, entertainment, gas, transit, and streaming
- 1X point on all other purchases
- No annual fee
Intro offer: Double points for the first 12 months (up to 30,000 bonus points)
Who it’s for: Social spenders, entertainment lovers, and anyone who enjoys maximizing lifestyle perks with Zions Bank credit cards.
Clarity Credit Card
The Clarity card is designed for those who value low interest and fee-free flexibility. With one of the lowest APRs available, this card helps you manage larger purchases or carry a balance more affordably. Best of all, it doesn’t charge late fees, returned payment fees, or foreign transaction fees.
Key Benefits:
- 0% Intro APR on purchases for 6 months
- 0% Intro APR on balance transfers for 15 months (if requested within 60 days)
- No late fees or foreign transaction fees
- No annual fee
Who it’s for: People who want a card that helps them manage payments and save on interest, especially useful for balance transfers or financing big purchases.
Launch Secured Credit Card
If you’re just beginning your credit journey or need to rebuild after past financial challenges, the Launch Secured Card is a smart option. You’ll make a security deposit, which becomes your credit limit, and use the card like any regular Visa card. Over time, responsible use can help boost your credit score.
Key Benefits:
- Helps you build or rebuild credit
- Low $25 annual fee
- All the features and security of a Visa card
- Reports to major credit bureaus
Who it’s for: This Zions Bank secured credit card is tailored for people who are new to credit or looking to improve their credit score in a safe and manageable way.
Premier Credit Card
This mid-tier premium choice from Zions Bank credit cards lets you pick cash back or travel rewards. You earn 2.5X on travel and 1.5X on all other purchases. The annual fee is waived in your first year, making it a great way to try premium benefits with no upfront cost.
Key Benefits:
- Earn 2.5X points or 2.5% cash back on travel
- Get 1.5% cash back or 1.5X points for additional purchases
- $0 annual fee for the first year ($95/year after)
Intro offer: Get $150 or 15,000 bonus points when you spend $4,000 in 90 days
Who it’s for: Frequent travelers who want flexible rewards and a strong earning rate on both travel and everyday purchases.
Elite Credit Card
This Zions Bank cash back credit card is made for serious travelers. You’ll earn 3X points or 3% cash back on flights, hotels, car rentals, and dining. You’ll also get a $100 annual travel credit, which helps offset the annual fee. Points can be used for flights, hotel stays, or other rewards.
Key Benefits:
- 3% cash back or 3X points for meals and travel
- 1.5X points on all other purchases
- $100 annual travel credit
- $195 annual fee
Intro offer: $300 or 30,000 bonus points when you spend $5,000 in 90 days
Who it’s for: Cardholders who travel often and want great returns on their travel spending, plus added perks like travel credits.
Reserve Credit Card
This is the most premium of all Zions Bank credit cards. It includes Priority Pass Select airport lounge access, $250 in annual travel credits, and strong ongoing rewards, plus the highest intro bonus among all the cards.
Key Benefits:
- 3% cash back or 3X points for meals and travel
- 2X points or 2% cash back on all other purchases
- $250 annual travel credit
- Airport lounge access (5 free visits/year)
- $450 annual fee ($50 per additional cardholder)
Intro offer: $500 or 50,000 bonus points when you spend $5,000 in 90 days
Who it’s for: High spenders and frequent flyers who want premium travel experiences, luxury benefits, and maximum rewards.
Business Credit Cards from Zions Bank
Zions Bank credit cards also support business owners with tailored options for business expenses. Their “AmaZing” line of business cards offers valuable rewards, low intro rates, and no annual fees on most options:
Amazing Cash Business Credit Card
This card is a strong choice for companies that want real cash rewards without the hassle. Using the Zions Bank Amazing Cash business credit card, you can earn:
- 3% cash back on key business expenses like office supplies, phone services, and internet.
- 2% cash back on travel purchases such as flights and hotels.
- 1% cash back on everything else you buy.
Highlights:
- No annual fee
- $500 intro bonus when you spend $5,000 in 120 days
- Cash back tiers up to $150,000 in spending
There’s no annual fee, and you get 0% interest on purchases for the first 6 months. After that, the rate is variable (around 18.49%). Plus, if you spend $7,500 in the first 120 days, you’ll receive a $750 cash back bonus. That’s a big win for new business expenses.
Best for: Office-based businesses, small companies that travel often, or any business that wants simple, tiered cash back on essential expenses.
Amazing Rewards Business Credit Card
Prefer earning points instead of cash? This Zions Bank business credit card gives you similar rewards categories but lets you redeem points for a wide range of options, including travel, merchandise, gift cards, or even cash.
- 3X points on office supplies, telecom, and internet services.
- 2X points on travel.
- 1 point per $1 on all other purchases.
It also comes with a 0% intro APR for 6 months and a regular APR afterward (also around 18.49%). If you spend $5,000 in the first 120 days, you earn 50,000 bonus points, which can be redeemed for travel, gift cards, or merchandise.
Best for: Business owners who want flexible rewards and like using points for travel or business-related purchases.
Amazing Rate Business Credit Card
If your business sometimes carries a balance from month to month, this card can help you minimize interest costs. While it doesn’t offer rewards, it provides one of the lowest variable APRs available and has no annual fee.
Plus, if you spend $5,000 within 120 days, you’ll receive a $500 statement credit, which can help offset early expenses. It’s perfect if you need to carry a balance or finance a big one-time purchase.
Best for: Companies that want to save on interest, manage purchases over time, or prioritize low fees over earning rewards.
Which Zions Bank Credit Card Is Right for You?
To make the choice easier, here’s a simple comparison of Zions Bank credit cards for both individuals and businesses:
| Card Name | Rewards/Points | Annual Fee | Best For |
|---|---|---|---|
| Agility Cash | 1.5% cash back on all purchases | $0 | Everyday spending |
| Vivid Rewards | 3X on entertainment, dining, streaming | $0 | Fun lifestyle categories |
| Clarity | Low APR, no late/foreign fees | $0 | Balance transfers, avoiding interest |
| Premier | 2.5X on travel, 1.5X on other spending | $0 1st year, $95 after | Travelers who want flexible rewards |
| Elite | 3X on travel/dining + $100 travel credit | $195 | Regular travelers who enjoy perks |
| Reserve | 3X on travel/dining + Priority Pass | $450 | Luxury travel experiences and big spenders |
| Launch Secured | No rewards, builds credit | $25 | People building or repairing credit |
| Amazing Cash Business | Up to 3% cash back on business expenses | $0 | Businesses that want cash rewards |
| Amazing Rewards Biz | Up to 3X points on business expenses | $0 | Businesses that prefer points over cash |
| Amazing Rate Biz | Low APR, no rewards | $0 | Businesses that need flexibility with balances |
Zions Bank makes it easy for both individuals and business owners to find a credit card that suits their needs. Whether your goal is to earn more rewards, lower your interest payments, or build financial strength, there’s a card designed to help you do exactly that.
Zions Bank Credit Card Application
Applying for Zions Bank credit cards is quick and convenient. You can go to their official website and choose the card that fits your needs, whether you want cash back, rewards, a low interest rate, or travel perks. The site has a helpful tool that lets you compare different card options side by side.
Here’s how it works:
- Choose Your Card: Visit the Zions Bank website and select the credit card that fits your needs, such as a rewards card, cash-back card, or low-rate option.
- Start the Online Application: Click the “Apply Now” button. This takes you to a secure online form where you’ll begin entering your information.
- Enter Your Personal Details: Fill in your full name, date of birth, Social Security Number, and residential address. This helps the bank confirm your identity.
- Provide Contact Information: Add your phone number and email address so Zions Bank can send updates about your application status.
- Share Employment and Income Information: Include details about your employer, job title, and annual income. This is used to assess your ability to manage the credit limit.
- Review Eligibility Requirements: Applicants must usually be at least 21 years old and reside in a state where Zions Bank operates.
- Submit Your Application: Once all details are complete, submit the form. In many cases, you’ll get an approval decision by email within minutes. Some applications may take 1–2 business days if additional review is needed.
- Receive Your Card: If approved, your new Zions Bank credit card will arrive by mail, ready to activate and use.
If you prefer to apply in person, you can also visit a nearby Zions Bank branch. Either way, the process is simple, and approval decisions are usually made quickly.
Zions Bank Credit Card Customer Service & Payment
For help with Zions Bank credit cards or looking for easy ways to make a payment? Here’s what you need to know.
Zions Bank Credit Card Customer Support
If you ever have a question or issue with your Zions Bank credit cards, there are easy ways to get help. You can call their Bankcard Services team at Zions Bank credit card phone number 888-758-5349. This toll-free number connects you to support for both credit and debit cards.
For more general help, like Zions Bank account questions or automated services, you can call 888‑307‑3411. This line is available Monday through Saturday, from 6 a.m. to 9 p.m. (Mountain Time). Friendly representatives can guide you through payments, card benefits, or any problems with your account.
Zions Bank Credit Card Payment
Making payments on your Zions credit card is easy. You can use the Bill Pay feature inside Zions Bank’s Online Banking system. It’s free to use if you have a personal deposit account with them.
With Bill Pay, you can:
- Make one-time or repeating payments
- Set up reminders so you don’t miss due dates
- View and pay eBills from participating companies
- Manage everything from your phone or computer
This makes staying on top of your credit card payments convenient and stress-free.
If you prefer to mail your credit card payment, it’s important to use the correct address. However, the bank doesn’t clearly publish a payment address for Zions Bank credit cards on its public website. That’s why it’s best to check your monthly billing statement or log in to your online account to find the exact mailing address for your payments.
Using the correct Zions Bank credit card payment address ensures your payment arrives on time and is applied properly to your account. Avoid using addresses listed for Zions auto loans or other services without bank confirmation, as they may not be valid for credit card payments.
FAQs about Zions Bank Credit Cards
Are Zions credit cards part of the Visa network?
- Yes. All Zions Bank credit cards are issued through Visa, making them widely accepted around the world.
Do any Zions Bank cards have annual fees?
- Most personal and business cards have no annual fees. Only the Zions’ Premier, Elite, and Reserve cards carry annual fees, however, the Premier card does not charge that fee for the first year.
Can I apply online for a Zions Bank credit card?
- Yes. You can view and apply for any Zions Bank credit card through their official website.
Are there cards for people with bad or no credit?
- Yes. The Launch Secured Credit Card is designed to help people build or rebuild credit.
What credit score is needed for Zions Bank credit cards?
- Most unsecured cards require a good to excellent credit score, while the Launch Secured card has more flexible requirements.
In summary, Zions Bank credit cards offer you useful choices for both professional and personal expenses. With no annual fees, flexible rewards, and secure features, they’re built to make managing money easier. For everyday convenience and long-term benefits, these credit cards are worth considering.
