Applying for a credit card with Zions Bank is a simple process, whether you prefer doing it online or visiting a branch. This guide covers everything you need to know—eligibility criteria, required documents, fees, credit limits, and more.
1. Types of Credit Cards Offered by Zions Bank
Zions Bank provides various credit cards, including:
- Zions Bank Visa® Platinum Credit Card (Low-interest rates, no annual fee)
- Zions Bank Visa® Rewards Credit Card (Cashback or travel rewards)
- Zions Bank Secured Credit Card (For building or rebuilding credit)
Choose a card based on your spending habits and credit score.
2. Eligibility Criteria
A. Age Requirement
- You must be at least 18 years old.
- Applicants under 21 may need a co-signer or proof of independent income.
B. Income & Credit Score
- Minimum income: Varies, but steady income is required.
- Credit score:
- Good to Excellent (670+) for unsecured cards.
- Poor/Limited Credit may qualify for a secured card.
C. Residency & Citizenship
- Must be a U.S. citizen or permanent resident.
- Must have a valid Social Security Number (SSN) or ITIN.
3. How to Apply for a Zions Bank Credit Card
A. Online Application Process
- Visit Zions Bank’s Credit Card Page.
- Choose the credit card that suits your needs.
- Click “Apply Now” and fill in the required details:
- Personal information (Name, SSN, DOB, Contact Details)
- Employment & income details
- Financial information (existing loans, rent/mortgage payments)
- Review & Submit the application.
- Instant Approval (in some cases) or wait for verification (1-3 business days).
B. Offline Application Process
- Visit a Zions Bank branch near you.
- Request a credit card application form.
- Fill out the form and submit it with required documents.
- Wait for approval (typically 3-7 business days).
4. Required Documents
- Proof of Identity: Driver’s License, Passport, or State ID
- Proof of Income: Pay stubs, tax returns, or bank statements
- Social Security Number (SSN) or ITIN
- Proof of Address (Utility bill, lease agreement)
5. Fees & Charges
- Annual Fee: $0 (for most cards; secured cards may have fees)
- Interest Rate (APR): Varies (typically 12.99% – 23.99%)
- Late Payment Fee: Up to $40
- Foreign Transaction Fee: 3% (for international purchases)
6. Credit Limit & Card Benefits
- Credit Limit: Depends on creditworthiness (usually 500−500−10,000+)
- Rewards & Perks:
- Cashback on purchases
- Travel rewards (if applicable)
- Fraud protection & zero liability
- Free credit score access
7. FAQs
Q1. How long does approval take?
- Online: Instant or 1-3 business days.
- Offline: 3-7 business days.
Q2. Can I get a credit card with bad credit?
Yes, Zions Bank offers secured credit cards for those with poor/no credit.
Q3. What is the minimum credit score required?
- Unsecured cards: 670+
- Secured cards: No minimum (requires a security deposit).
Q4. How do I check my application status?
Call Zions Bank customer service at 1-800-789-9129 or check online.
Q5. Can I increase my credit limit later?
Yes, after 6-12 months of responsible usage, you can request an increase.
Also Read :
How to Apply for a TD Bank Credit Card 2025
How to Apply for a Huntington Bank Credit Card 2025
