Zions Bank® AmaZing Cash® Back for Business Review

• 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.

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.

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% .

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 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

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.