Zions Bank® Elite Visa® Review

Zions Bank® Elite Visa® is a rewards credit card issued by Zions Bancorporation. If you're wondering whether Zions Bank® Elite Visa® is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
• Signup bonus. Offers a signup bonus of $300 if you spend $5000.
• Competitive APRs. Zions Bank® Elite Visa® has a variable 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, travel accident insurance, travel assistance, and fraud protection.

Zions Bank® Elite Visa® Pros and Cons:

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 6 months. No balance transfer fee. Multiple credit card perks. Access to a concierge. Travel accident and travel assistance insurance. Cardholders can earn rewards on their purchases. 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.

Is there a Zions Bank® Elite Visa® cash back or rewards program?

Zions Bank® Elite Visa® offers a rewards program to its customers.

Zions Bank® Elite Visa® Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	$300
Signup Bonus Spend Requirement	$5000
Annual Loyalty Bonus	$100

What are the Zions Bank® Elite Visa® benefits?

Zions Bank® Elite Visa® provides the following benefits:

• 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Zions Bank® Elite Visa® has lower than average purchase APRs.

Zions Bank® Elite Visa® has a variable purchase APR that ranges from 10.99% up to 18.99%.

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

The following fees apply to Zions Bank® Elite Visa®:

Zions Bank® Elite Visa® Fees

Fees	Amount
Annual Fee	$195

How to apply for Zions Bank® Elite Visa®

• Visit the Zions Bank® Elite Visa® 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.