Bank · FDIC insured
Zions Bank Credit Card Rates
Zions Bank credit cards start at 13.50% APR on purchases, after any introductory rate. Rates checked October 7, 2026.
How Zions Bank’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where Zions Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Zions Bank
13.50%APR
- Annual fee
- None
- Up to
- 22.50% APR
Clarity Credit Card
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
- Up to
- —
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
- Up to
- —
Zions Bank credit card score
65
Credit card score
Higher than 14% of U.S. banks and credit unions
- Purchase APRPurchase APR13.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Zions Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Agility Cash Credit Card
No annual fee. Automatic cash back redemption monthly, quarterly, or at certain balance thresholds. Double cash back for first 12 billing cycles up to $200 bonus. Offers available for new credit card accounts only and subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% introductory APR for first 6 months on purchases. Intro APR does not apply to cash advances. Purchases made during the first 6 months will not be charged interest; minimum monthly payments required. |
| Ongoing | 16.00%–28.00% | None | Thereafter, variable APR ranges from 16.00% to 28.00% based on a margin and creditworthiness, varying with the market based on the Prime Rate in The Wall Street Journal. Accurate as of 10/07/2026. |
| Intro, 12 months | 0.00% | None | 0% introductory APR on balance transfers for the first 12 months when requested within 60 days of account opening. A 3% balance transfer fee applies ($5 minimum). Minimum balance payments required each month. |
Clarity Credit Card
No annual fee, no late fees, no returned payment fees, and no foreign transaction fees. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% introductory APR for first 6 months on purchases. Intro APR does not apply to cash advances. Purchases made during first 6 months will not be charged interest; minimum monthly payments required. |
| Ongoing | 13.50%–22.50% | None | Thereafter, variable APR ranges from 13.50% to 22.50% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026. |
| Intro, 15 months | 0.00% | None | 0% introductory APR on balance transfers for the first 15 months when requested within first 60 days of account opening. A 3% balance transfer fee applies ($5 minimum). Minimum monthly payments required. |
Elite Credit Card
Annual fee of $195. No foreign transaction fees. Includes $100 annual travel credit and 3X points on travel and dining, 1.5X on all other purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | $195 | 0% introductory APR on balance transfers for the first 6 months when requested within 60 days of account opening. A 3% balance transfer fee applies ($5 minimum). Minimum balance payments required each month. |
| Ongoing | 17.99%–25.99% | $195 | Thereafter, variable APR ranges from 17.99% to 25.99% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026. |
| Ongoing | 17.99%–25.99% | $195 | Variable APR from 17.99% to 25.99% based on a margin and creditworthiness. Stated without transaction type scope. |
Launch Secured Card
Secured credit card to build or rebuild credit. Annual fee is $25 per year.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.99% | $25 | — |
Sources (2)
All captured Oct 7, 2026
Premier Credit Card
$0 annual fee for the first year, $95 per year after that. No foreign transaction fees. Earn up to 2.5X points on travel and 1.5X points on all other purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | $95 | 0% introductory APR on balance transfers for the first 6 months when requested within 60 days of account opening. A 3% balance transfer fee applies ($5 minimum). Minimum balance payments required each month. |
| Ongoing | 17.99%–25.99% | $95 | Thereafter, variable APR ranges from 17.99% to 25.99% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026. |
| Ongoing | 17.99%–25.99% | $95 | Variable APR from 17.99% to 25.99% based on a margin and creditworthiness. Stated without transaction type scope. |
Reserve Credit Card
Annual fee of $450 plus $50 for each additional card user. Includes complimentary Priority Pass Select lounge access, $250 annual travel credit, 3X points on travel and dining, and 2X points on all other purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | $450 | 0% introductory APR on balance transfers for the first 6 months when requested within 60 days of account opening. A 3% balance transfer fee applies ($5 minimum). Minimum balance payments required each month. |
| Ongoing | 17.99%–27.99% | $450 | Thereafter, variable APR ranges from 17.99% to 27.99% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026. |
| Ongoing | 17.99%–27.99% | $450 | Variable APR from 17.99% to 27.99% based on a margin and creditworthiness. Stated without transaction type scope. |
Vivid Rewards Credit Card
No annual fee and no foreign transaction fees. Earn 3X points on dining, entertainment, gas/transit, and streaming/cable, and 1X point on all other card purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% introductory APR for first 6 months on purchases. Intro APR does not apply to cash advances. Purchases made during the first 6 months will not be charged interest; minimum monthly payments required. |
| Ongoing | 16.00%–28.00% | None | Thereafter, variable APR ranges from 16.00% to 28.00% based on a margin and creditworthiness, varying with the market based on the Prime Rate published in The Wall Street Journal. Accurate as of 10/07/2026. |
| Intro, 12 months | 0.00% | None | 0% introductory APR on balance transfers for the first 12 months when requested within 60 days of account opening. A 3% balance transfer fee applies ($5 minimum). Minimum monthly payments required. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.