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.
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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. |
| Bonus Value* | $300 |
| 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 |
| Annual Fee | $195 |
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$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.
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Bottom Line
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.
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