Zions Bank® Reserve Visa Review

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

Key Takeaways

• Rewards program. This credit card offers rewards on your purchases, but you will have to pay an annual fee of $450 for the privilege.
• Signup bonus. Offers a signup bonus of $500 if you spend $5000.
• Competitive APRs. Zions Bank® Reserve Visa has a variable purchase APR of up to 14.99%.
• 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, travel assistance, and fraud protection.

The Good	The Bad
Lower than average purchase APRs. Multiple credit card perks. Cardholders can earn rewards on their purchases. Offers auto rental collision damage waiver. Access to a concierge. Extended warranty protection on purchases. Travel Accident Insurance. Travel Assistance.	Charges an annual fee of $450. You don't earn rewards on every purchase. Does not report to credit bureaus.

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

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

Zions Bank® Reserve Visa Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	$500
Signup Bonus Spend Requirement	$5000

What are the Zions Bank® Reserve Visa benefits?

Zions Bank® Reserve Visa provides the following benefits:

• Auto Rental Collision Damage Waiver
• Extended Warranty Protection
• Zero fraud liability
• Travel Accident Insurance
• No blackout dates when redeeming miles
• Travel Assistance

What are the relevant APRs for Zions Bank® Reserve 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® Reserve Visa has lower than average purchase APRs.

Zions Bank® Reserve Visa has a variable purchase APR that ranges from 10.99% up to 14.99%.

Zions Bank® Reserve Visa Balance Transfers

Description
Balance Transfer APR	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

Zions Bank® Reserve Visa Rates & Terms

Description
Balance Computation	N/A
Purchase APR	10.99% - 14.99%
Credit Limit	N/A
Penalty APR	N/A
Cash Advance APR	N/A
Security Deposit	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

What are the Zions Bank® Reserve Visa fees?

The following fees apply to Zions Bank® Reserve Visa:

Zions Bank® Reserve Visa Fees

Fees	Amount
Annual Fee	$450

How to apply for Zions Bank® Reserve Visa

• Visit the Zions Bank® Reserve 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.