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  Zions Bank® AmaZing Cash® Credit Card

Zions Bank® AmaZing Cash® Credit Card

in Personal Credit Cards from Zions Bancorporation

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Zions Bank® AmaZing Cash® Credit Card

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in Personal Credit Cards from Zions Bancorporation

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Highlights
Purchase APR  (Variable APR) 11.24% - 18.24%
Balance Transfer APR  (Variable APR) 11.24% - 18.24%
Credit Score Range 650 - 850
Annual Fee N/A

Zions Bank® AmaZing Cash® Credit Card Review

This is a cashback credit card issued by Zions Bancorporation. If you're wondering whether Zions Bank® AmaZing Cash® Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 25x.
  • 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® Credit Card has a variable purchase APR that ranges from 11.24% up to 18.24%.
  • 3% Balance transfer fee. Zions Bank® AmaZing Cash® Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, travel accident insurance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Zions Bank® AmaZing Cash® 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.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • Cardholders can earn rewards on their purchases.
  • Zions Bank® AmaZing Cash® Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
Zions Bank® AmaZing Cash® Credit Card FAQ

Does Zions Bank® AmaZing Cash® Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 25% for purchases in a bonus category.

Zions Bank® AmaZing Cash® Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 25x
Annual rewards limit N/A

Does Zions Bank® AmaZing Cash® Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Zions Bank® AmaZing Cash® Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Zions Bank® AmaZing Cash® Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Zions Bank® AmaZing Cash® Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 11.24% up to 18.24%. The card has a variable balance transfer APR that ranges from 11.24% up to 18.24%.

Does Zions Bank® AmaZing Cash® Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Zions Bank® AmaZing Cash® Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 11.24% - 18.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Does Zions Bank® AmaZing Cash® Credit Card have an intro APR offer on new purchases?

Zions Bank® AmaZing Cash® Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Zions Bank® AmaZing Cash® Credit Card?

The following fees apply:

Zions Bank® AmaZing Cash® Credit Card Fees
Fees Amount
Annual Fee

What is the customer service phone number for Zions Bank® AmaZing Cash® Credit Card?

The Zions Bank® AmaZing Cash® Credit Card customer service number is (888) 307-3411.

Does Zions Bank® AmaZing Cash® Credit Card report your account activity to credit bureaus?

Yes, Zions Bank® AmaZing Cash® Credit Card 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 for Zions Bank® AmaZing Cash® Credit Card

  • Visit the Zions Bank® AmaZing Cash® Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 6:00am
  • Tuesday 9:00am - 6:00am
  • Wednesday 9:00am - 6:00am
  • Thursday 9:00am - 6:00am
  • Friday 9:00am - 6:00am
  • Saturday 10:00am - 2:00pm

Other Services by Zions Bancorporation

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Availability

  Available in 3 states
  • Idaho
  • Utah
  • Wyoming

Feature Breakdown

Every Purchase (Points) 2% cash back your first 90 days. 1% cash back on purchases after, no cap.
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
Purchase APR (Variable APR) 11.24% - 18.24%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 11.24% - 18.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
Card Network Visa

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