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Zions Bank® AmaZing Rewards® credit card review

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Earn points on purchases and redeem them as statement credits.

  • 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.

Up to 2x

Points

$0

Annual fee

0%

Intro Purchase APR

for the first 6 months (then 12.99% to 19.99% variable)

0%

Intro Balance Transfer

for the first 12 months (then 12.99% to 19.99% variable)

Details

Product NameZions Bank® AmaZing Rewards® credit card
Card typeVisa
Annual fee$0
Purchase APR0% intro for the first 6 months (then 12.99% to 19.99% variable)
Balance transfer APR0% intro for the first 12 months (then 12.99% to 19.99% variable)
Balance transfer fee$10 or 3% of the transaction, whichever is greater
Foreign transaction fee3% of the transaction value

The basics

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.

Another unlimited cashback card

Capital One® Quicksilver® Cash Rewards Credit Card

  • Earn $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn 1.5% cash back on all purchases
  • 0% intro APR on purchases and balance transfers for 15 months; 15.74%-25.74% variable APR after that. Pay just 3% fee on balances transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees
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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.

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 6 months of card membership. A variable APR of 12.99% to 19.99% 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 12.99% to 19.99% 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.

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 12.99% to 19.99% 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
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
60,000 miles after spending $2,000 in the first 3 months, plus $50 when you make a 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)
Earn 60,000 miles after spending $2,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
50,000 bonus miles after spending $3,000 in the first 3 months
2x miles on all purchases and 10x miles at hotels.com/venture
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.

Compare up to 4 providers

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 one 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

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