Important Details
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AmaZing Cash® Back Credit Card

Earn cash back with every purchase
Double Cash Back: AmaZing Cash Back Credit Card

Get a Zions Bank® AmaZing Cash® cash back credit card* and earn cash back on every purchase.

Cash Back Credit Card Benefits

Important Details
  • 1% cash back on all purchases—and with no cap1
  • 2% cash back for the first 90 days2
  • Annual Rewards Bonus3
  • 0% intro APR for 6 months on purchases and just 12.24 to 19.24% variable APR after that4
  • 0% intro APR on balance transfers for 12 months and only 12.24 to 19.24% variable APR after that. 3% fee, $10 minimum5
  • No annual fee
  • Zions AmaZing Deals® gives you instant savings or cash back on purchases at more than 1,500 participating merchants
  • Free Mobile Fraud Alert Service automatically sends you a text when suspicious activity is detected on your Visa® or MasterCard® credit or debit card to let you react to fraud fast
  • Free Purchase Alerts notify you on your mobile phone when preset Visa credit or debit card account criteria are triggered, letting you monitor account activity in virtually real-time
  • myPHOTOcard® lets you customize your card with your own image or photo
  • Zero Liability6 protects you from liability for unauthorized purchases made with your cash back credit card or account information

Get cash back in any whole-dollar amount any time after you have $25 earned. Get it as a credit to your card (credits are not applied as a payment) or as a credit to a Zions Bank deposit account. There’s no limit to what you can earn and no expiration date.

Apply for a Cash Back Credit Card Online

Is the cash back credit card the right card for you? Apply online in less than 10 minutes7 or browse other credit card options on the personal credit card comparison table.

Additional Visa® Services and Benefits8 Available with Your AmaZing Cash Back Credit Card

  • Car rental collision damage waiver protects you if your rental car is damaged from an accident or theft
  • Travel accident insurance gives you accidental death and dismemberment coverage when you purchase tickets with your card
  • Travel and emergency assistance helps arrange medical, legal and travel services when you’re away from home; simply call 800-VISA-911 or 800-847-2911
  • Warranty Manager extends the manufacturer’s warranty on any item purchased with your card; just call 800-VISA-911 or 800-847-2911
  • Cardholder inquiry service9 provides fast help 24x7 on questions about your card; simply call 888-758-5349. Learn more on usa.visa.com
  • Lost/stolen card reporting lets you quickly report a lost or stolen card 24x7 anywhere; simply call 888-758-5349. Learn more on usa.visa.com
Important Details
*Credit cards are subject to credit approval. Certain terms, conditions and restrictions apply. The APR is variable and is based on the Wall Street Journal Prime Rate, which is subject to change with the Index, plus a margin based on credit worthiness. Prime Rate is currently as of 09/21/2017. Offer available for new consumer credit cards only. All offers are subject to change at any time, may not be available with all card types. See your Consumer Credit Card Agreement and Disclosures for details.
1. AmaZing Cash® Back—Cardholder earns 1% cash back for every dollar spent on net purchases only. Cash back is not earned on transactional items, such as cash advances, balance transfers, returned merchandise, etc. Must have at least $25 earned cash back in order to redeem. Account must be in good standing. See the AmaZing Cash Back Program Terms and Conditions for full details.
2. 2% Cash Back for first 90 days—Earn double cash back for every dollar spent on net purchases during the first 90 days of account opening. At the end of the 90 days, you will earn 1% cash back.
3. AmaZing Annual Cash — Offer available on AmaZing Cash card. A cardholder may earn an annual cash bonus ranging from 0% up to 25% of the total cash back they have earned on non-promotional offers within the calendar year. This annual bonus is not 0-25% of annual spend on the card; but rather it is 0-25% of the total cash back that the cardholder has earned throughout the year. This annual bonus is in addition to the 1% cash back that a cardholder earns on every purchase. The percentage amount of the annual bonus is determined by which tier the cardholder’s annual net spend falls into. Annual Spending Tiers: Tier 1 - $0 - $4,999 = 0%, Tier 2 - $5,000 - $9,999 = 5%, Tier 3 - $10,000 - $14,999 = 10%, Tier 4 - $15,000 - $19,999 = 15%, Tier 5 - $20,000 - 24,999 = 20%, Tier 6 - $25,000+ = 25%. For example, with an annual spend of $12,500 you would earn $125 (1% cash back) plus an annual bonus of $12.50 (10% under Tier 3). The annual bonus will be credited to your earned cash back within 6 weeks of the calendar year end. Transactional items such as cash advances, balance transfers, returned merchandise, etc. are not eligible. The following graphic offers examples of how the annual bonus program works:

TierIf you SpendYou earn 1% Cash Back Depending on the Annual Bonus Spending Tiers You may earn an additional Annual Bonus Cash Back Total Earnings*
1$4,500$45.00$0 - $4,999 = 0%$0.00$45.00
2$7,500$75.00$5,000 - $9,999 = 5%$3.75$78.75
3$12,500$125.00$10,000 - $14,999 = 10%$12.50$137.50
4$17,500$175.00$15,000 - $19,999 = 15%$26.25$201.25
5$22,500$225.00$20,000 - $24,999 = 20%$45.00$270.00
6$40,000$400.00$25,000 or more = 25%$100.00$500.00
4. 0.00% Intro APR for 6 months on purchases, thereafter, the variable APR will range from 12.24% to 19.24%. Intro APR does not apply to cash advances. Purchases made during the first 6 months of account opening will not be charged any interest. Minimum balance payments are still required each month.
5. 0.00% Intro APR on balance transfers for the first 12 months, thereafter, the variable APR will range from 12.24% to 19.24%. For new accounts, balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) will apply. Transfers made during the Intro period will not be charged any interest. Minimum balance payments are still required each month.
6. Zero Liability Cardholder is not responsible for fraudulent charges made with his/her card or account information as long as he/she promptly notifies Zions Bank of unauthorized card use. Does not apply to business ATM or PIN transactions. Disputed transactions must post to your account before provisional credit will be issued. For specific conditions, limitations, and other details, please call the number on the back of your card.
7. For your protection, the system will automatically log you off if there is no activity for 30 minutes. All information in the application will be lost if this occurs.
8. See your Visa Card Guide to Benefits for details on additional services and benefits.
9. Cardholder inquiry service. For answers to questions about your card, call 888-758-5349, 24x7.
Visa® is the registered trademark of Visa International Service Association and Zions Bank does not claim any ownership or exclusive rights to the use of this trademark.

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This page was last modified on Thu Sep 21 20:14:52 MDT 2017