Earn points on all of your purchases and get high redemption flexibility.
30-second take
- Get this card if you want a simple rewards credit card without an annual fee.
- Pick something else if you want accelerated points on select categories.
- Apply with a good to excellent credit score of 670 or higher.
| Product Name | Zions Bank® AmaZing Rewards® credit card |
|---|---|
| Card Type | Visa |
| Annual Fee | $0 |
| APR (Annual Percentage Rate) for Purchases | 13.49% to 20.49% variable |
| Introductory Purchase APR | 0% for the first 6 months (then 13.49% to 20.49% variable) |
| Balance Transfer APR | 13.49% to 20.49% variable |
| Introductory Balance Transfer APR | 0% for the first 12 months (then 13.49% to 20.49% variable) |
| Balance Transfer Fee | $10 or 3% of the transaction, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction value |
| Minimum Age | 18 years of age |
|---|
| Rewards | 1x points on all purchases |
|---|---|
| Base Rewards | 1x points |
| Rewards Points Expiration | No expiry |
The basics
The Zions Bank® AmaZing Rewards® credit card is a solid choice if you want simple rewards without an annual fee. The card comes with an intro APR period on purchases and balance transfers, along with bonus annual reward points based on how much you spend.
Earn points on all spending, and redeem your points for statement credit that can be applied to purchases made within 90 days of redemption. You must have at least 2,500 points for redemption.
However, you must live in Utah, Idaho or Wyoming to apply for the card.
Another unlimited cashback card
The perks
- Reward points.
Earn 1x points on all purchases.
- Signup bonus.
Earn 2x points on purchases in the first 90 days your account is open, reverting to 1x points after.
- Annual bonus.
Earn a tiered bonus of up to 25% of your total points earned throughout the year.
- No annual fee.
You won’t pay a fee each year to use this card.
Annual reward bonus
Your annual bonus rewards depend on how much you spend annually. You must spend at least $5,000 in a calendar year to earn a bonus on your annual earnings.
| Total spent annually | Annual rewards bonus percentage |
|---|---|
| $0-$4,999 | 0% |
| $5,000-$9,999 | 5% |
| $10,000-$14,999 | 10% |
| $15,000-$19,999 | 15% |
| $20,000-$24,999 | 20% |
| $25,000 or more | 25% |
Say that you spend $7,500 over the course of a year, earning 7,500 rewards at the standard 1x rewards rate. According to Zions Bank’s chart, you’d qualify for a 5% bonus at the end of the year — or 375 extra points — bringing your total points earned to 7,875.
You’ll also like…
- Intro APR on purchases.
Get a 0% intro APR on purchases in your first 6 months of card membership. A variable APR of 13.49% to 20.49% applies after your intro expires.
- Intro APR on balance transfers.
Take advantage of a 0% intro APR on balance transfers for 12 months after your transfer posts to your account. A variable APR of 13.49% to 20.49% applies after your intro expires.
- Customize your card.
Personalize your card with a photo or other image.
- Fraud monitoring.
Zions Bank texts you when it detects suspicious activity, and you aren’t liable for reported unauthorized purchases.
- Visa benefits.
Get car rental protection, travel accident insurance, emergency assistance, replacements for lost or stolen cards and other cardholder perks.
What to watch out for
- Foreign transaction fees.
You’ll pay a fee equal to 3% of each purchase paid for with your card outside the US and at foreign websites.
- Limited availability.
Eligibility is open to residents of Utah, Idaho or Wyoming only.
- Balance transfer limitations.
The intro APR applies to balance transfers posted in the first 60 days of card membership. Otherwise, a standard variable APR of 13.49% to 20.49% applies.
Compare rewards credit cards
Bottom line
The Zions Bank® AmaZing Rewards® credit card is a simple rewards card with no annual fee. You can earn points on everything you buy for redemption as a statement credit. But it’s available to residents of Utah, Idaho or Wyoming only.
If you don’t live in an eligible state or are looking for more robust perks, compare other rewards credit cards for a better fit.
