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.

• 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 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. 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.

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

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%.

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

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.