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Zions Bank® AmaZing Rewards® credit card review

Earn points on purchases and redeem them as statement credits.

Discontinued product

This card has been discontinued, and it is not available on our site. Compare other credit cards or take Finder's credit card quiz to find one that fits your needs.
  • 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.
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Card benefits

  • Signup bonus. Earn 2x points on purchases in the first 90 days your account is open, reverting to 1x points after.
  • Reward points. Earn 1x points on all purchases. You can also earn a tiered bonus of up to 25% of your total points earned throughout the year.
  • Intro APR on purchases. Get a 0% intro APR on purchases in your first 6 months of card membership. A variable APR of 11.24% to 18.24% 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 11.24% to 18.24% applies after your intro expires.
  • Visa benefits. Get car rental protection, travel accident insurance, emergency assistance, replacements for lost or stolen cards and other Visa cardholder perks.

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 annuallyAnnual rewards bonus percentage
$0-$4,9990%
$5,000-$9,9995%
$10,000-$14,99910%
$15,000-$19,99915%
$20,000-$24,99920%
$25,000 or more25%

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.

What to watch out for

  • Limited availability.
    Eligibility is open to residents of Utah, Idaho or Wyoming only.
  • 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.
  • 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 11.24% to 18.24% applies.

Compare rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
American Express® Gold Card
60,000 points after spending $4,000 in the first 6 months
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases
$250

Rose Gold is Back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
$695

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
Marriott Bonvoy Brilliant™ American Express® Card
75,000 points after spending $3,000 in the first 3 months. Plus, earn up to $200 in statement credits for eligible purchases at US restaurants within the first 6 months
6x Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
$450
Earn 75,000 bonus points when you spend $3,000 or more within your first 3 months. Terms apply, see rates & fees
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Zions Bank AmaZing Rewards

The recently retooled Zions Bank AmaZing Rewards program allows you to apply your reward points toward any purchase you made with your credit card.

How much are Zions Bank AmaZing Rewards points worth?

According to the Zions Bank website, each AmaZing Rewards point is worth 1 cent as statement credit. That means 10,000 points would be worth $100.

Do AmaZing Rewards points expire?

No. Your points don’t expire so long as your account remains open.

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.

Frequently asked questions

Review by


Steven Dashiell is a writer at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Expert review

The Zions Bank® AmaZing Rewards® credit card is a fairly simple rewards card without an annual fee, offering solid rewards opportunities on your spending. 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.

There is, however, a fairly large catch with this card – it’s only available in three states. You must live in Utah, Idaho or Wyoming to apply.

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