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  Zions Bank® Premier Card®

Zions Bank® Premier Card®

in Personal Credit Cards from Zions Bancorporation

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Zions Bank® Premier Card®

Unaffiliated

in Personal Credit Cards from Zions Bancorporation

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Highlights
Purchase APR  (Variable APR) 14.24% - 22.24%
Balance Transfer APR  (Variable APR) 14.24% - 24.24%
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. This review will provide you with with all the details you need 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 $150 if you spend $4000.
  • Competitive APRs. Zions Bank® Premier Card® has a variable purchase APR that ranges from 14.24% up to 22.24%.
  • Annual fee waived the first year. Zions Bank® Premier Card® gives you the chance to have the card for a year without paying the $95 annual fee.
  • 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 rental insurance, access to a concierge, extended warranty protection on purchases, travel accident insurance, trip cancellation insurance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above650.
Pros & Cons of Zions Bank® Premier Card®
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • Annual fee waived during the first year.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • Travel accident insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Zions Bank® Premier Card® reports to multiple credit bureaus.
  • Charges an annual fee of $95
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
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. You will receive 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash.

Zions Bank® Premier Card® Rewards
Minimum rewards rate 1.5x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) Up to $150
Signup Bonus Spend Requirement $4000

Does Zions Bank® Premier Card® have a signup bonus?

Yes, it offers card users a signup bonus worth up to $150 after spending $4000.

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?

It 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 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 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 up to 6 months.

Zions Bank® Premier Card® Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 14.24% - 24.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

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®?

The following fees apply:

Zions Bank® Premier Card® Fees
Fees Amount
Annual Fee $95
Foreign Transaction Fee 0%
Returned Payment Fee up to $35
Late Payment Fee up to $35

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 Zions Bank® Premier Card® customer service number is (888) 307-3411.

Does Zions Bank® Premier Card® report your account activity to credit bureaus?

Yes, Zions Bank® Premier 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® Premier Card®

  • Visit the Zions Bank® Premier 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.

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

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

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Availability

  Available in 3 states
  • Idaho
  • Utah
  • Wyoming

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee First Year
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $95
Minimum Interest Charge $1
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Fraud Liability
  • Travel Accident Insurance
  • Trip Cancellation Insurance
  • Extended Warranty Protection
No Blackout Dates
Signup Bonus $150
Cash Advance APR (Variable APR) 23.24% - 24.24%
Balance Computation average daily balance (including new purchases)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 14.24% - 22.24%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 14.24% - 24.24%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Travel
Card Network Visa

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