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  Zions Bank® Premier Card®
Zions Bank® Premier Card® Unaffiliated

Zions Bank® Premier Card®

Unaffiliated
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Highlights
Purchase APR 14.24% - 22.24%
Balance Transfer APR 14.24% - 24.24%
Credit Score Range 650 - 850
Annual Fee $95

Zions Bank® Premier Card® Review

This is a 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 and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Zions Bank® Premier Card®
The Good The Bad
  • Potentially 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.
  • No foreign transaction fee.
  • Zions Bank® Premier Card® reports to multiple credit bureaus.
  • Charges an annual fee of $95
  • Does not offer rewards or cash back.
  • 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?

No, it does not offer a rewards program.

What are the Zions Bank® Premier Card® benefits?

It provides the following benefits:

  • 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. 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 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 support contact email for Zions Bank® Premier Card®?

The support contact email for Zions Bank® Premier Card® is james.abbott@zionsbancorp.com.

What is the Zions Bank® Premier Card® login page?

You can access the Zions Bank® Premier Card® login page here.

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 your account activity to the following credit reporting agencies:

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.

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
Minimum Age 18
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
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Travel Accident Insurance
  • Concierge
No Blackout Dates
Signup Bonus $150
Cash Advance APR 23.24% - 24.24%
Balance Computation average daily balance (including new purchases)
Penalty APR 0%
Purchase APR 14.24% - 22.24%
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%
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Travel
Card Network Visa

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