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  Zions Bank® Reserve Visa

Zions Bank® Reserve Visa

in Personal Credit Cards from Zions Bancorporation

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Zions Bank® Reserve Visa

Unaffiliated

in Personal Credit Cards from Zions Bancorporation

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Highlights
Highlights
Balance Transfer APR  (Variable APR) N/A
Credit Score Range N/A
Annual Fee $450
Purchase APR  (Variable APR) 10.99% - 14.99%

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:

  • Signup bonus. Offers a signup bonus of $500 if you spend $5000.
  • Competitive APRs. Zions Bank® Reserve Visa has a variable purchase APR that ranges from 10.99% 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.

Zions Bank® Reserve Visa Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Extended warranty on purchases.
  • 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 $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

Does Zions Bank® Reserve Visa have a signup bonus?

Yes, Zions Bank® Reserve Visa offers card users a signup bonus worth up to $500 after spending $5000.

Does Zions Bank® Reserve Visa offer an annual loyalty bonus?

Zions Bank® Reserve Visa doesn't offer a cash loyalty bonus.

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%.

Does Zions Bank® Reserve Visa have an introductory APR offer on balance transfers?

No, Zions Bank® Reserve Visa does not come with an introductory APR offer for balance transfers.

Does Zions Bank® Reserve Visa have an introductory APR offer on new purchases?

Zions Bank® Reserve Visa does not offer an introductory rate on new purchases.
Zions Bank® Reserve Visa Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Zions Bank® Reserve Visa?

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.

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...

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

Annual Fee $450
Customer Type Personal
Minimum Age 21
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Fraud Liability  
Extended Warranty  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Concierge
  • Extended Warranty Protection
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Annual Airline Credit $250
No Blackout Dates  
Signup Bonus $500
Purchase APR (Variable APR) 10.99% - 14.99%

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