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Last Updated: 05/14/2026

Zions Bank® Reserve Visa

from Zions Bancorporation

Last Updated: 05/14/2026

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

Purchase APR (Variable APR)

14.24% - 24.24%(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

N/A

Annual Fee

$450

Zions Bank® Reserve Visa Review

This is a travel card issued by Zions Bancorporation. If you're wondering whether Zions Bank® Reserve Visa is the right card for you, read on.

Key Takeaways

Signup bonus. Offers a signup bonus of up to $500.
APRs: Zions Bank® Reserve Visa has a variable regular purchase APR that ranges from 14.24% up to 24.24%.
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, travel assistance, and fraud protection.

Pros & Cons of Zions Bank® Reserve Visa

The Good

The Bad

Potentially 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.

Charges an annual fee of $450
You don't earn rewards on every purchase.
Does not report to credit bureaus.

Zions Bank® Reserve Visa FAQ

Does Zions Bank® Reserve Visa have a cash back or rewards program?

Zions Bank® Reserve Visa is a travel rewards card.

Zions Bank® Reserve Visa Rewards Breakdown

Description

Does Zions Bank® Reserve Visa have a signup bonus?

Yes, it offers card users a signup bonus worth up to $500 .

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

This card 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 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® Reserve Visa has a variable purchase APR that ranges from 14.24% up to 24.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 24.24%.

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

No, it does not come with an intro APR offer for balance transfers.

Does Zions Bank® Reserve Visa 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® Reserve Visa?

Zions Bank® Reserve Visa Fees

Description

Annual Fee

$450

This card charges an annual fee of $450.

What is the customer service phone number for Zions Bank® Reserve Visa?

The customer service number for Zions Bank® Reserve Visa is (888) 307-3411.

What is the support contact email for Zions Bank® Reserve Visa?

The support contact email for Zions Bank® Reserve Visa is james.abbott@zionsbancorp.com.

How do people rate the customer service and user experience of Zions Bank® Reserve Visa?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Zions Bancorporation perform a hard credit pull?

Yes, Zions Bank® Reserve Visa 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® Reserve Visa

Visit the website of Zions Bank® Reserve Visa.
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

Headquarters

One South Main Street

Salt Lake City, UT 84133

(888) 307-3411

Visit Site

Email Support

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

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14.50% - 26.50%

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Balance Transfer APR

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Zions Bank® Premier Card®

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14.24% - 22.24%

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Balance Transfer APR

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.