Zions BancorporationVisa® PlatinumRegistry illustration · issuer artwork unavailable

Visa® PlatinumZions Bancorporation · N bank, AZ · FDIC 2270

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

14.04%

p.1fixed

Balance transfer

—

Cash advance APR

14.04%

p.1fixed

Annual fee

—

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	14.04%Zions Bancorporation, N.A. · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“• 14.04% This APR is a fixed rate.”Zions Bancorporation, N.A. · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	—	no source read
APR for cash advances	14.04%Zions Bancorporation, N.A. · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“• 14.04% This APR is a fixed rate.”Zions Bancorporation, N.A. · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	2% of the amount, minimum $50Zions Bancorporation, N.A. · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“A fee equal to the greater of $3.00 or 2% of each advance will be imposed; however, this charge will not exceed $50.00”Zions Bancorporation, N.A. · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Credit Card Agreement and Disclosure Statementpage 1 of 4

Consumer Credit Card Agreement - Visa ® Platinum

Effective October 1, 2018

1.0: INTRODUCTORY PROVISIONS AND DISCLOSURES:

The following information on interest rates, interest charges, and fees are accurate as of 10/1/2018 and may have changed after that date. To find out what may have changed, call us at 206-292-3900 or toll free at 1-800-998-4035.

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · • 14.04% This APR is a fixed rate. APR for Cash Advances · • 14.04% This APR is a fixed rate. Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance due by the due date each month. We will begin charging interest on Cash Advances and Quasi Cash transactions on the transaction date. Minimum Interest Charge · No Minimum Interest Charge For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau’s website at http://www.consumerfinance.gov/learnmore. Fees Annual Fee · $25 Transaction Fees: Cash Advances · A fee equal to the greater of $3.00 or 2% of each advance will be imposed; however, this charge will not exceed $50.00 International Transactions · 1% of the U.S. dollar amount of each transaction. Penalty Fees: Late Payment · $25 Returned Payment · $35

How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases)'. See your cardholder agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your cardholder agreement.

1 2 3 4Page 1 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

Zions Bancorporation, N.A.
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“• 14.04% This APR is a fixed rate.”
Read exact source ↗
Zions Bancorporation, N.A.
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“• 14.04% Fixed Rate for Visa Platinum”
Read exact source ↗
Zions Bancorporation, N.A.
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“• 14.04% This APR is a fixed rate.”
Read exact source ↗
Zions Bancorporation, N.A.
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“• 14.04% Fixed Rate for Visa Platinum”
Read exact source ↗
Zions Bancorporation, N.A.
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“A fee equal to the greater of $3.00 or 2% of each advance will be imposed; however, this charge will not exceed $50.00”
Read exact source ↗
Zions Bancorporation, N.A.
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance due by the due date each month. We will begin charging interest on Cash Advances and Quasi Cash transactions on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗
Zions Bancorporation, N.A.
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance due by the due date each month. We will begin charging interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
Read exact source ↗

History

dates on sources or when they were captured

Aug 23, 2026: Cash advance APR, Cash advance fee, Purchase APR

Offered through: Zions Bancorporation
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 2270
Branches: 413 in AZ, CA, CO, ID, NM, NV, OR, TX, UT, WA, WY
Sources: Official issuer · 2 documents · 1 page cited

Documents

Credit Card Agreement and Disclosure Statementeffective date not parsed
TCBORConsumer-Agreementeffective date not parsed

Visa® PlatinumZions Bancorporation · N bank, AZ · FDIC 2270

Rates and fees