Zions Bank · Visa Signature · Personal
Zions Bank Premier
A $95-a-year card earning Zions Bank Rewards: 2.5× on 5 categories, 1.5× on everything else.
- Annual fee
- $95Charged every year
- Signup bonus
- $150Spend $4,000 on purchases
- Top rate
- 2.5×5 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 $4,000 on purchases in the first 90 days after account opening | $150 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee Charged each year | −$95 | −$95 |
| NetYear one includes the bonus · at your inputs · our estimates* | $55 | −$95 |
The bonus needs $4,000 on purchases in the first 90 days after account opening.
Earning structure
6 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Airfare NotesAirlines only, Visa MCC 3000-3350 and 4511. | 2.5× | $2.50 | |
Car Rentals NotesCar rentals, Visa MCC 3351-3500 and 7512. | 2.5× | $2.50 | |
Cruises NotesCruise lines, Visa MCC 4411. | 2.5× | $2.50 | |
Hotels NotesHotels and lodging, Visa MCC 3501-3999 and 7011. | 2.5× | $2.50 | |
Special NotesTravel agencies only, Visa MCC 4722. | 2.5× | $2.50 | |
All Other NotesQualified net purchases, rounded to the nearest whole dollar. Cash advances, balance transfers, fees, quasi-cash, and gambling do not earn. | 1.5× | $1.50 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $95
- 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
Benefits18 · 1 high value
- Anniversary Bonuses High value9,500-Point Annual Spend Bonus
- Car Rental Insurance Auto Rental Collision Damage Waiver + 1 more car rental insurance benefit
- Cell Phone Protections Cell Phone Protection
- Credits & Discounts Extended Warranty Protection + 3 more credits & discounts benefits
- Instant Perks & Status Visa Signature Concierge + 2 more instant perks & status benefits
- Travel Protections Baggage Delay Reimbursement + 6 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 Premier |  Zions Bank Elite |  Zions Bank Vivid Rewards |  Bank of America Premium Rewards | |
|---|---|---|---|---|
| Annual fee | $95 | $195+$100 | $0−$95 | $95Same |
| Signup bonus | $150 | $300 | 30,000 pts | 60,000 pts |
| Top rate | 2.5×5 categories | 3×6 categories | 3×11 categories | 2×12 categories |
| Travel value * | –Zions Bank Rewards | –Zions Bank Rewards | –Zions Bank Rewards | 1¢Travel Rewards |
| 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 | Same $95 annual fee |
Zions Bank Elite
$195 fee (+$100) · 3× top$300 bonusSame issuer and the same Zions Bank Rewards points
Zions Bank Vivid Rewards
$0 fee (−$95) · 3× top30,000 pts bonusSame issuer and the same Zions Bank Rewards points, with no annual fee
Bank of America Premium Rewards
$95 fee (same) · 2× top60,000 pts bonusSame $95 annual fee
* 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.
CommentsShow the discussion