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Last Updated: 05/14/2026

Zions Bank® Elite Visa®

from Zions Bancorporation

Last Updated: 05/14/2026

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

Purchase APR (Variable APR)

10.99% - 18.99%(Verified 06/21/2024)

Disclaimer popup with additional information

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

N/A

Annual Fee

$195

Zions Bank® Elite Visa® Review

This is a travel card issued by Zions Bancorporation. If you're wondering whether Zions Bank® Elite Visa® is the right card for you, read on.

Key Takeaways

0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
Signup bonus. Offers a signup bonus of up to $300.
APRs: Zions Bank® Elite Visa® has a variable regular purchase APR that ranges from 10.99% up to 18.99%.
Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.

Pros & Cons of Zions Bank® Elite Visa®

The Good

The Bad

Potentially lower than average purchase APRs.
0% APR balance transfer intro rate on balance transfers for 6 months.
Multiple credit card perks.
Access to a concierge.
Extended warranty on purchases.
Travel accident and travel assistance insurance.
Cardholders can earn rewards on their purchases.

Charges an annual fee of $195
You don't earn rewards on every purchase.
Does not report to credit bureaus.

Zions Bank® Elite Visa® FAQ

Does Zions Bank® Elite Visa® have a cash back or rewards program?

Zions Bank® Elite Visa® is a travel rewards card.

Zions Bank® Elite Visa® Rewards Breakdown

Description

Does Zions Bank® Elite Visa® have a signup bonus?

Yes, it offers card users a signup bonus worth up to $300 .

Does Zions Bank® Elite Visa® offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Zions Bank® Elite Visa® benefits?

Zions Bank® Elite Visa® provides the following benefits:

Extended Warranty Protection
Zero fraud liability
Travel Accident Insurance
Travel Assistance

What are the relevant APRs for Zions Bank® Elite Visa®?

According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.

Zions Bank® Elite Visa® has a variable purchase APR that ranges from 10.99% up to 18.99%. Zions Bank® Elite Visa® does not offer balance transfers.

Does Zions Bank® Elite Visa® have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.

Zions Bank® Elite Visa® Balance Transfers

Description

Balance Transfer Introductory APR

Balance Transfer Intro APR Period

6 months

Does Zions Bank® Elite Visa® have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Zions Bank® Elite Visa®?

Zions Bank® Elite Visa® Fees

Description

Annual Fee

$195

This card charges an annual fee of $195.

What is the customer service phone number for Zions Bank® Elite Visa®?

The customer service number for Zions Bank® Elite Visa® is (888) 307-3411.

What is the support contact email for Zions Bank® Elite Visa®?

The support contact email for Zions Bank® Elite Visa® is james.abbott@zionsbancorp.com.

How do people rate the customer service and user experience of Zions Bank® Elite Visa®?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Zions Bancorporation perform a hard credit pull?

Yes, Zions Bank® Elite Visa® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Zions Bank® Elite Visa®

Visit the website of Zions Bank® Elite Visa®.
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

Headquarters

One South Main Street

Salt Lake City, UT 84133

Visit Site

Email Support

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

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14.50% - 26.50%

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14.24% - 24.24%

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.