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.

• 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.

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.	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.

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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%.

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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.