Zions Bank® AmaZing Rewards® credit card review | finder.com

Zions Bank® AmaZing Rewards® credit card review

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Zions Bank® AmaZing Rewards® credit card

Earn points on all of your purchases and get high redemption flexibility.

  • 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 NameZions Bank® AmaZing Rewards® credit card
Card TypeVisa
Annual Fee$0
Standard Purchase APR13.49% to 20.49% variable
Intro Purchase APR0% for the first 6 months (then 13.49% to 20.49% variable)
Standard Balance Transfer APR13.49% to 20.49% variable
Intro 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 Fee3% of the transaction value
Minimum Age18 years of age
Rewards1x points on all purchases
Base Rewards1x points
Rewards Points ExpiryNo 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

HSBC Cash Rewards Mastercard® credit card

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn an Introductory 3% cash back on all purchases in the first 12 months from account opening, up to the first $10,000 in purchases
  • 10% anniversary bonus on all cash rewards earned once a year.
  • No annual fee.
  • 0% intro APR for 12 months on purchases and balance transfers, then a 15.24%, 19.24% or 25.24% variable APR.
  • No foreign transaction fees.
  • $0 liability for unauthorized purchases.
  • Terms apply.
  • See rates & fees
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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 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.

You’ll also like…

  • Intro APR on purchases.
    Get a 0% intro APR on purchases in your first six 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

Name Product Welcome Offer Rewards Annual Fee Filter values
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
35,000 points after spending $2,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees
25,000 points after spending $2,000 in the first 4 months
2x points on gas, groceries or airlines, whichever you spend the most on each month, 2x points on cell phone services and charities and 1x points on all other purchases
$0 intro annual fee for the first year ($49 thereafter)
Earn 25,000 enrollment FlexPoints worth $375 in travel after spending $2,000 in the first 4 months. Rates & Fees
60,000 miles after spending $2,000 in the first 3 months, plus $50 after your first Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & fees

Compare up to 4 providers

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.

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