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  Zions Bank® AmaZing Cash® Back for Business

Zions Bank® AmaZing Cash® Back for Business

in Business Credit Cards from Zions Bancorporation

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Zions Bank® AmaZing Cash® Back for Business

Unaffiliated

in Business Credit Cards from Zions Bancorporation

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Highlights
Purchase APR  (Variable APR) 14.24% - 16.24%
Balance Transfer APR  (Variable APR) 14.24%
Credit Score Range 650 - 850
Annual Fee $0

Zions Bank® AmaZing Cash® Back for Business Review

Key Takeaways
  • Business credit card with generous reward rate. You will get a cashback rewards rate of up to 3%.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Zions Bank® AmaZing Cash® Back for Business has a variable purchase APR that ranges from 14.24% up to 16.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • 2% Balance transfer fee. Zions Bank® AmaZing Cash® Back for Business charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Zions Bank business credit card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Cardholders can earn rewards on purchases everywhere Zions Bank® AmaZing Cash® Back for Business is accepted.
  • Zions Bank® AmaZing Cash® Back for Business reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2%.
  • Charges a 2% balance transfer fee.
  • Does not include many credit card benefits.
Zions Bank business credit card FAQ

Who is Zions Bank business credit card designed for?

This is a credit card issued by Zions Bancorporation. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 14.24% up to 16.24%. The card has a variable balance transfer APR of 14.24% .

It also has a variable cash advance APR starting at 15.99% .

Does it have an introductory APR offer?

Yes, this business card offers an introductory APR rate on balance transfers of 0% for a period of 12 months from account opening.

This business card does offer an introductory APR rate on new purchases of 0% for a period of 6 months.

Zions Bank business credit card Rates & Terms
Purchase APR 14.24% - 16.24%
Balance Transfer APR 14.24%
Cash Advance APR Starting at 15.99%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $39.
  • A returned payment fee of up to $29.
  • An overlimit fee of $29.

Does it charge a foreign transaction fee?

This business card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.

Zions Bank business credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Balance Transfer Fee 2%
Minimum Balance Transfer Fee $5
Returned Payment Fee $29
Late Payment Fee $19 to $39

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Car Rentals
  • Every Purchase
  • Office Supply Stores

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What is the customer service phone number?

The customer service number for this business card is (888) 307-3411.

What is the support contact email?

The support contact email for this business credit card is james.abbott@zionsbancorp.com.

Does Zions Bank® AmaZing Cash® Back for Business report your account activity to credit bureaus?

Yes, Zions Bank® AmaZing Cash® Back for Business reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the Zions Bancorporation .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Zions Bank® AmaZing Cash® Back for Business

Get your Business cash back credit card and earn cash back on every purchase. As soon as you accrue $25, you can get it back in any whole-dollar amount or get it as a credit to your card (credits are not applied as a payment). There’s no limit to what you can earn and no expiration date. Check out the benefits below. Get cash back in any whole-dollar amount any time after you have $25 earned. Get it as a credit to your card  (credits are not applied as a payment) or as a credit to a Zions Bank deposit account. Choose to automatically get cash back in $500 increments and there’s no limit to what you can earn and no expiration date. Credit limit up to $250,000. No annual fee and no rewards fees. Automatic savings on qualified purchases when you enroll in Visa SavingsEdge®.

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Annual Fee $0
No Annual Fee
No Interest Grace Period for Late Payment 20 days
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $5
Foreign Currency Transaction Fee 2%
Late Fee Amount $19 - $39
Minimum Cash Advance Fee ($) $5
Minimum Interest Charge $1
Over-Limit Fee $29
Returned Payment Fee $29
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Bonus Rewards Earn 2% cash back on select business travel purchases and earn 3% cash back on select business purchases.
Rewards Rates
  • Travel
  • Car Rentals
  • Office Supplies
  • Every Purchase
Balance Computation Average daily balance (including new purchases)
Cash Advance APR (Variable APR) Starting at 15.99%
Credit Limit Up to $250
Purchase APR (Variable APR) 14.24% - 16.24%
Balance Transfer Fee % 2%
Balance Transfer Fee % After Intro Period Starting at 2
Balance Transfer Fee Minimum $5
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 14.24%
Card Network Visa
Card Type
  • Rewards
  • Cashback

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