Zions Bank · Visa Signature · Personal
Zions Bank Elite
A $195-a-year card earning Zions Bank Rewards: 3× on 6 categories, 1.5× on everything else.
- Annual fee
- $195Charged every year
- Signup bonus
- $300Spend $5,000 on purchases
- Top rate
- 3×6 categories
- Point value
- 1¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus cash · spend $5,000 on purchases in the first 90 days after account opening | $300 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$195 | −$195 |
| NetYear one includes the bonus · at your inputs · our estimates* | $105 | −$195 |
The bonus needs $5,000 on purchases in the first 90 days after account opening.
Earning structure
7 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Airfare Notes3x on airlines billed as MCC 3000-3350 or 4511. | 3× | $3.00 | |
Car Rentals Notes3x on car rentals billed as MCC 3351-3500 or 7512. | 3× | $3.00 | |
Cruises Notes3x on cruise lines billed as MCC 4411. | 3× | $3.00 | |
Dining Notes3x on dining billed as eating places (MCC 5812). Fast food, bars, and delivery do not qualify unless the merchant bills as MCC 5812. | 3× | $3.00 | |
Hotels Notes3x on hotels billed as MCC 3501-3999 or 7011. | 3× | $3.00 | |
Special Notes3x on travel agencies billed as MCC 4722. No travel-agency category exists. | 3× | $3.00 | |
All Other Notes1.5x on qualified net purchases. Cash advances, balance transfers, fees, interest, quasi-cash, gambling, and lottery purchases do not earn. | 1.5× | $1.50 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $195
- Card type
- Personal
- Network
- Visa Signature
- Bank
- Zions Bank
- Point system
- Zions Bank Rewards
- Travel value (our estimate)*
- 1¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Benefits11 · 2 high value
- Anniversary Bonuses High valueAnniversary Spend Bonus
- Credits & Discounts High value$100 Annual Travel Credit
- Car Rental Insurance Auto Rental Collision Damage Waiver
- Cell Phone Protections Cell Phone Protection
- Instant Perks & Status Visa Luxury Hotel Collection + 1 more instant perks & status benefit
- Travel Protections Emergency Evacuation + 4 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Zions Bank Elite |  Zions Bank Premier |  Zions Bank Vivid Rewards |  United Explorer | |
|---|---|---|---|---|
| Annual fee | $195 | $95−$100 | $0−$195 | $150−$45 |
| Signup bonus | $300 | $150 | 30,000 pts | 60,000 pts |
| Top rate | 3×6 categories | 2.5×5 categories | 3×11 categories | 2×4 categories |
| Travel value * | –Zions Bank Rewards | –Zions Bank Rewards | –Zions Bank Rewards | 1.23¢United MileagePlus |
| Why it’s here | This card | Same issuer and the same Zions Bank Rewards points | Same issuer and the same Zions Bank Rewards points, with no annual fee | An annual fee within $100 |
Zions Bank Premier
$95 fee (−$100) · 2.5× top$150 bonusSame issuer and the same Zions Bank Rewards points
Zions Bank Vivid Rewards
$0 fee (−$195) · 3× top30,000 pts bonusSame issuer and the same Zions Bank Rewards points, with no annual fee
United Explorer
$150 fee (−$45) · 2× top60,000 pts bonusAn annual fee within $100
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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