The Zions Bank Reserve Visa Card has an introductory offer for $500 bonus cash or 50,000 bonus points (depending on which rewards program you choose) when you spend $5,000 within the first 90 days. According to Zions Bank both offers are worth $500. With an annual fee of $450, the welcome bonus will cover the card’s cost for only one year. The Platinum Card from American Express also offers a welcome bonus with comparable spending requirements. See our list for more premium travel credit cards.
Billed as a premium travel rewards card, the Zions Bank Reserve card offers triple rewards on travel and dining, and double rewards on everything else. It also comes with a handful of perks, including a $250 annual travel credit, complimentary lounge access and more.
Unfortunately, however, not everyone is eligible to apply. The Zions Bank Reserve card is only available in states where the issuer operates (more on that later).
*Check out Zions Bank bonuses for checking & savings accounts.
$500 Bonus Cash or 50,000 Bonus Points Offer
Take advantage of the Zions Bank Reserve card’s introductory offer: $500 bonus cash or 50,000 bonus points. Fifty-thousand points are worth $500, so the bonus value is the same no matter which rewards program you choose.
To qualify for either offer, charge at least $5,000 to your card within the first 90 days of opening your account.
Here are some ideas on meeting the spending requirement.
Redeeming Zions Bank Reserve Rewards
When the time comes to redeem your Zions Bank Reserve rewards, the process is slightly different for those 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 is open.
Amazing Rewards Program
Each Amazing Rewards point is worth the standard $0.01, which means 100 points equal $1. You can only use your points as statement credits on items purchased within the last 90 days. You must have a minimum of 2,500 points (or $25) to redeem. Amazing Rewards points never expire as long as your account is open.
Zions Bank Reserve Card Top Features
Receive a $250 travel credit every year. Qualifying purchases are items billed in a variety of merchant categories, including airlines, rental cars, hotels, cruise lines, travel agencies, airport terminals, Global Entry, TSA Precheck and Gogo Inflight Wi-Fi.
This feature covers more than half of the card’s annual cost.
Enjoy complimentary Priority Pass Select membership for you and up to three other cardmembers on the same account. This perk comes with five complimentary visits every year for each cardmember. That’s a total of 20 complimentary visits. After that, a $27 lounge fee applies per person, per visit.
The lowest tier Priority Pass membership normally costs $99 annually, with an additional $32 fee per person, per visit. So with membership for up to four people, plus five complimentary visits each, this perk is worth $936 each year.
Make purchases abroad without worrying about foreign transaction fees with the Zions Bank Reserve card.
Zions Bank Reserve Card Availability
The Zions Bank Reserve card is only available to those who live near a Zions Bank. That includes residents of Idaho, Utah and Wyoming.
The Zions Bank Reserve card is a good match for traveling foodies with its bonus rewards on travel and dining purchases. The card is well-worth its premium annual fee if you take full advantage of its luxury side benefits.
But it’s only available to residents in three states. If you don’t live near a Zions Bank, you’ll have to consider other credit card options.
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