Zions Bank Clarity Visa® Credit Card

Zions Bank Clarity Visa® Credit Card Review

This is a card issued by Zions Bancorporation. If you're wondering whether Zions Bank Clarity Credit Card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
• If you’re looking for a great rate without all the fees, the choice is clear. With the Zions Bank Clarity Visa® Credit Card1 you get one of the lowest rates available.
• Competitive APRs. Zions Bank Clarity Visa® Credit Card has a variable purchase APR that ranges from 12.00% up to 21.00%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. Zions Bank Clarity Visa® 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, access to a concierge, travel accident insurance, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 690.

Pros & Cons of Zions Bank Clarity Credit Card

The Good	The Bad
Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 15 months. No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Access to a concierge. Travel accident and travel assistance insurance.	You need good credit to qualify. Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase. Does not report to credit bureaus. Charges a 3% balance transfer fee.

Zions Bank Clarity Credit Card FAQ

Does Zions Bank Clarity Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Zions Bank Clarity Credit Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Zero fraud liability
• Travel Accident Insurance
• Cell Phone Protection
• Travel Assistance

What are the relevant APRs for Zions Bank Clarity 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. This card has lower than average regular APRs.

Zions Bank Clarity Visa® Credit Card has a variable purchase APR that ranges from 12.00% up to 21.00%. The card has a variable balance transfer APR that ranges from 12.00% up to 21.00%.

What are the fees for Zions Bank Clarity Credit Card?

The following fees apply:

Zions Bank Clarity Credit Card Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	$0
Late Payment Fee	$0

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

How to apply for Zions Bank Clarity Credit Card

• Visit the Zions Bank Clarity 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.