The Zions Bank Elite Visa Card has an introductory offer for $300 Bonus Cash or 30,000 Bonus Points, depending on which rewards program you decide to choose. This is earned once you’ve spent $5,000 within the first 90 days. According to Zions bank, both offers are worth $300 each.
On top of being a pretty good dining card due to its 3x points on dining, the Zions Bank Elite card offers a 1.5% return on travel purchases and 1.5% on everything else. However, Zions Bank credit cards are only available in states where the issuer operates.
Table of Contents
- 1 Zions Bank Elite Visa Card Summary
- 2 Editor’s Alternate Pick
- 3 $300 Bonus Cash or 30,000 Bonus Points Offer
- 4 Redeeming Zions Bank Elite Rewards
- 5 Zions Bank Elite Card Top Features
- 6 Zions Bank Elite Card Availability
- 7 Bottom Line
- 8 What’s The Competition?
Zions Bank Elite Visa Card Summary
|Bonus Available||Get $300 bonus cash or 30,000 bonus points (depending on which rewards program you choose) when you spend at least $5,000 within the first 90 days of account opening.|
|Travel Credit||$100 every year|
|Ongoing Rewards/Benefits||Earn 3% cash back or 3x points on all travel and dining purchases.
Receive 1.5% cash back or 1.5x points on everything else.
|Foreign Transaction Fees?||None|
|Airport Lounge Access||None|
- Welcome bonus
- Annual travel credit
- High earning potential
- No foreign transaction fees
- Limited availability
- Annual fee
- Good-Excellent credit needed to qualify
Editor’s Alternate Pick
The Chase Sapphire Preferred Card offers 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards.
• 5X points on travel purchased through Chase Ultimate Rewards
• 3X points on dining
• 3X points on select streaming services and online grocery purchases
• 2X points on all other travel purchases
• 1X point per $1 spent on all other purchases
Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit and when you redeem your points for travel through Chase Ultimate Rewards, you'll get 25% more value!
You get unlimited deliveries with a $0 delivery fee & reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
This card carries a $95 annual fee.
$300 Bonus Cash or 30,000 Bonus Points Offer
Zions Bank Elite Visa Card has an introductory offer of $300 bonus cash or 30,000 bonus points. The 30,000 points are equivalent to $300, so the bonus value will remain the same regardless on which rewards program you end up choosing.
To qualify for this bonus rewards, you will need to charge at least $5,000 to your card within the first 90 days of account opening. Consequently, here are some tips and ideas on how to hit the spending requirement:
Redeeming Zions Bank Elite Rewards
When the time comes to redeem your Zions Bank Elite rewards, the process is a little different if you are enrolled in the Amazing Cash program compared to the Amazing Rewards program.
Amazing Cash Program
As soon as you rack up $25 in rewards, you can redeem it in any whole dollar amount as credit to your Zions Bank card or as credit to a Zions Bank deposit account. Amazing Cash rewards never expire as long as your account stays open.
Amazing Rewards Program
Earn Amazing Rewards point is worth the standard $0.01, which means that 100 points is equivalent to $1.00. You can only use your points as statement credits on items that have been purchased within the last 90 days. You will also need to have a minimum or 2,500 points($25) to redeem. Amazing Rewards points also will not expire as long as your account stays opened.
Zions Bank Elite Card Top Features
Earn a $100 travel credit every year while your card is open. Purchases that are qualifying are items that are billed in a variety of merchant categories such as airlines, rental cars, travel agencies, airport terminals, Global Entry, hotels, TSA Precheck and Gogo inflight WiFi. This feature covers more than half of the card’s annual cost.
Make purchases abroad without worrying about foreign transaction fees with the Zions Bank Elite card.
Zions Bank Elite Card Availability
The Zions Bank Elite card is only available to those who live near a Zions Bank. That includes residents of Idaho, Utah and Wyoming.
The Zions Bank Elite Visa card is a decent travel and dining card that offers good earning potential and a $100 annual travel credit. However, one of its major downsides is the card’s high annual cost. If you don’t live near a Zions Bank, we recommend check out other credit card options.
(Click here to sign up at Zions Bank)
What’s The Competition?
Below are some of the top competitors for the Zions Bank Elite Visa Card that you should consider:
The Chase Sapphire Reserve offers 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards.
Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit.
• 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards immediately after the first $300 is spent on travel purchases annually.
• 5X total points on air travel
• 3X points on other travel and dining
• 1 point per $1 spent on all other purchases
When redeeming your points for travel through Chase Ultimate Rewards, you'll get 50% more value.
This card does carry a $550 annual fee and there are no foreign transaction fees. However, you're able to earn a $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year & up to $100 application fee credit for Global Entry or TSA Pre?®.
The Capital One Venture Rewards Credit Card offers a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel.
You're able to earn 2X miles on every purchase, every day.
This card does come with a $95 annual fee. Enjoy no foreign transaction fees and receive up to $100 application fee credit for Global Entry or TSA Pre?®.