Last Updated: 05/14/2026
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Highlights
Purchase APR (Variable APR)
14.24% - 22.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.24% - 24.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$95
Zions Bank® Premier Card® Review
This is a cashback credit card issued by Zions Bancorporation. If you're wondering whether Zions Bank® Premier Card® 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 $150.
- APRs: Zions Bank® Premier Card® has a variable regular purchase APR that ranges from 14.24% up to 22.24%.
- $0 intro annual fee for the first year. Zions Bank® Premier Card® gives you the chance to have the card for a year without paying the $95 annual fee.
- A 3% balance transfer fee. Zions Bank® Premier 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 $5.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, access to a concierge, extended warranty protection on purchases, travel accident insurance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Zions Bank® Premier Card®
| The Good | The Bad |
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Zions Bank® Premier Card® FAQ
Does Zions Bank® Premier 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.
| Description |
Does Zions Bank® Premier Card® have a signup bonus?
Yes, it offers card users a signup bonus worth up to $150 .
Does Zions Bank® Premier Card® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Zions Bank® Premier Card® benefits?
Zions Bank® Premier Card® provides the following benefits:
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- No blackout dates when redeeming miles
- Reports to major credit bureaus
What are the relevant APRs for Zions Bank® Premier Card®?
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® Premier Card® has a variable purchase APR that ranges from 14.24% up to 22.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 24.24%. It also has a variable cash advance APR that ranges from 23.24% up to 24.24%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Zions Bank® Premier 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 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.24% - 24.24% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Zions Bank® Premier Card® 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® Premier Card®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $95 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee First Year? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $95.
Does Zions Bank® Premier Card® have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Zions Bank® Premier Card®?
The customer service number for Zions Bank® Premier Card® is (888) 307-3411.
What is the support contact email for Zions Bank® Premier Card®?
The support contact email for Zions Bank® Premier Card® is james.abbott@zionsbancorp.com.
How do people rate the customer service and user experience of Zions Bank® Premier Card®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Zions Bank® Premier Card® report your account activity to credit bureaus?
Yes, Zions Bank® Premier Card® reports to the following credit bureaus:
- 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 build your credit.
Does Zions Bancorporation perform a hard credit pull?
Yes, Zions Bank® Premier Card® 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® Premier Card®
- Visit the website of Zions Bank® Premier Card®.
- 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.
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
Checking Accounts
Rating not yet determined (1 Review)
Money Market Accounts
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Savings Accounts
Rating not yet determined (1 Review)
Other Credit Cards from Zions Bancorporation
Rating not yet determined
Purchase APR
14.50% - 26.50%
Disclaimer popup with additional information
Balance Transfer APR
14.50% - 26.50%
Disclaimer popup with additional information
Credit Score Range
670 - 799
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
12.00% - 21.00%
Disclaimer popup with additional information
Balance Transfer APR
12.00% - 21.00%
Disclaimer popup with additional information
Credit Score Range
Starting at 690
Annual Fee
$0
Rating not yet determined
Purchase APR
14.50% - 26.50%
Disclaimer popup with additional information
Balance Transfer APR
14.50% - 26.50%
Disclaimer popup with additional information
Credit Score Range
Starting at 670
Annual Fee
$0
Rating not yet determined
Purchase APR
10.99% - 18.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$195
Rating not yet determined
Purchase APR
14.24% - 24.24%
Disclaimer popup with additional information
Balance Transfer APR
14.24% - 24.24%
Disclaimer popup with additional information
Credit Score Range
N/A
Annual Fee
$450
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Learn MoreSuperMoney Net Recommendation Score
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