Overview
Zions Bank Bonuses and Promotions currently include checking incentives, student banking promotions, credit card welcome bonuses, promotional rates, business offers, and customer discounts.
Offers can change throughout the year. Before applying, verify the current requirements, eligibility, expiration date, and account terms directly with Zions Bank.
For a broader look at the institution, see Zions Bank in Utah.
Quick Summary
Here is a quick look at Zions Bank bonuses and promotions currently available.
| Category | Current Offers |
|---|---|
| Checking Account Bonuses | $250 Bank@Work bonus |
| Savings Account Bonuses | No standard savings signup bonus; student sweepstakes available |
| Business Account Bonuses | $450 merchant services offer |
| Credit Card Bonuses | Multiple personal and business welcome offers |
| Promotional Rates | 12-month CD, consumer loan discount, SBA 7(a), and card intro offers |
| Referral Programs | None currently identified |
| Member Deals and Discounts | Entertainment, ticket, and admission offers |
Checking Account Bonuses
$250 Bank@Work Checking Bonus
Employees of participating businesses may qualify for a $250 cash bonus through Zions Bank Bank@Work.
| Detail | Offer |
|---|---|
| Bonus | $250 |
| Product type | Personal checking |
| Account | Advantage Checking |
| Minimum to open | $50 |
| How to earn it | Open a new Advantage Checking account and receive qualifying direct deposit from your employer |
| Required holding period | Keep the account open for at least 6 months |
| Monthly service fee | $5 under the current Bank@Work Advantage Checking terms; waiver requirements may apply |
| Potential 6-month account cost | Up to $30 if the $5 monthly service fee applies during all 6 required months |
| Potential bonus after monthly fees | About $220 before taxes and other fees if $30 in monthly service fees are incurred |
| Fine print | Available to eligible employees through participating Bank@Work employers. Direct deposit is required. The account must remain open for at least 6 months. Review the current account disclosure for ways to avoid the monthly fee and for other applicable charges. |
| Expiration date | No published expiration date |
| Availability | Through participating Bank@Work employers and Zions Bank |
| Who qualifies | Eligible employees of participating businesses |
The headline bonus is $250, but the amount you effectively keep can depend on whether you avoid the account’s monthly service fee during the required six-month holding period.
More official info: Zions Bank Bank@Work
Savings Account Bonuses
Zions Bank does not currently advertise a standard cash signup bonus for opening a regular personal savings account.
Business Account Bonuses
Zions Bank does not currently advertise a general cash bonus simply for opening a standard business checking account.
$450 Merchant Services Offer
Businesses may receive $450 back when opening a qualifying Zions Bank merchant services account.
| Detail | Offer |
|---|---|
| Bonus | $450 back |
| Product type | Merchant services |
| How to earn it | Open a qualifying merchant services account by the promotional deadline and satisfy the offer requirements |
| Potential cost | Merchant-services pricing varies. Review processing, equipment, service, and other applicable costs before valuing the $450 incentive |
| Fine print | Available to qualifying new merchant services accounts. The promotional payment should be evaluated alongside the ongoing cost and terms of the merchant-services relationship. |
| Expiration date | September 30, 2026 |
| Availability | Through Zions Bank Merchant Services |
| Who qualifies | Eligible businesses opening a qualifying merchant services account |
More official info: Zions Bank Merchant Services
Credit Card Bonuses
Current Zions Bank bonuses and promotions include welcome bonuses and enhanced introductory rewards on several personal and business credit cards.
Consumer Credit Cards
Agility Cash Credit Card
| Detail | Offer |
|---|---|
| Bonus | Up to $200 bonus cash back |
| Product type | Personal credit card |
| How to earn it | Earn double cash back during the first 12 billing cycles, subject to the promotional cap |
| Annual fee | $0 |
| Potential cost | $0 annual fee; interest and other applicable card charges can still apply |
| Fine print | Bonus cash back is capped at $200. Credit approval and eligible-purchase requirements apply. |
| Expiration date | No published expiration date |
| Availability | Online |
| Who qualifies | Approved applicants meeting Zions Bank requirements |
Vivid Rewards Credit Card
| Detail | Offer |
|---|---|
| Bonus | Up to 30,000 bonus points |
| Product type | Personal credit card |
| How to earn it | Earn double rewards during the first 12 billing cycles, subject to the promotional cap |
| Annual fee | $0 |
| Potential cost | $0 annual fee; interest and other applicable charges can still apply |
| Fine print | Bonus rewards are capped at 30,000 points. Credit approval and eligible-purchase requirements apply. |
| Expiration date | No published expiration date |
| Availability | Online |
| Who qualifies | Approved applicants meeting Zions Bank requirements |
Premier Credit Card
| Detail | Offer |
|---|---|
| Bonus | $150 cash back or 15,000 bonus points |
| Product type | Personal credit card |
| How to earn it | Spend $4,000 in the first 90 days |
| Required spending | $4,000 |
| Annual fee | $0 for the first year; $95 per year after |
| Potential first-year account cost | $0 annual fee during the first year |
| Fine print | New qualifying card account and credit approval are required. Only eligible purchases count toward the spending requirement. |
| Expiration date | No published expiration date |
| Availability | Online |
| Who qualifies | Approved applicants meeting Zions Bank requirements |
Elite Credit Card
| Detail | Offer |
|---|---|
| Bonus | $300 cash back or 30,000 bonus points |
| Product type | Personal credit card |
| How to earn it | Spend $5,000 in the first 90 days |
| Required spending | $5,000 |
| Annual fee | $195 |
| Potential bonus after annual fee | About $105 if choosing the $300 cash bonus and considering only the $195 annual fee |
| Fine print | New qualifying card account and credit approval are required. Only eligible purchases count toward the spending requirement. Card benefits may provide additional value that is not reflected in the simple bonus-minus-fee calculation. |
| Expiration date | No published expiration date |
| Availability | Online |
| Who qualifies | Approved applicants meeting Zions Bank requirements |
Reserve Credit Card
| Detail | Offer |
|---|---|
| Bonus | $500 cash back or 50,000 bonus points |
| Product type | Personal credit card |
| How to earn it | Spend $5,000 in the first 90 days |
| Required spending | $5,000 |
| Annual fee | $450, plus $50 for each additional card |
| Potential bonus after annual fee | About $50 if choosing the $500 cash bonus and considering only the $450 annual fee |
| Fine print | New qualifying card account and credit approval are required. The card includes benefits that may offset part of the annual fee, so the bonus-minus-fee figure is not a complete valuation of the card. |
| Expiration date | No published expiration date |
| Availability | Online |
| Who qualifies | Approved applicants meeting Zions Bank requirements |
More official info: Zions Bank Personal Credit Cards
Business Credit Cards
AmaZing Cash for Business
| Detail | Offer |
|---|---|
| Bonus | $500 cash back |
| Product type | Business credit card |
| How to earn it | Spend $5,000 within the first 120 days |
| Required spending | $5,000 |
| Annual fee | $0 |
| Potential cost | $0 annual fee; interest and other applicable charges may still apply |
| Fine print | Offer applies to qualifying new business card accounts. Credit approval and eligible-purchase requirements apply. |
| Expiration date | No published expiration date |
| Availability | Through Zions Bank business credit card channels |
| Who qualifies | Approved business applicants |
AmaZing Rate for Business
| Detail | Offer |
|---|---|
| Bonus | $500 cash bonus |
| Product type | Business credit card |
| How to earn it | Spend $5,000 within the first 120 days |
| Required spending | $5,000 |
| Annual fee | $0 |
| Potential cost | $0 annual fee; interest and other applicable charges may still apply |
| Fine print | Offer applies to qualifying new AmaZing Rate for Business card accounts. Credit approval and eligible-purchase requirements apply. |
| Expiration date | No published expiration date |
| Availability | Through Zions Bank business credit card channels |
| Who qualifies | Approved business applicants |
AmaZing Rewards for Business
| Detail | Offer |
|---|---|
| Bonus | 50,000 bonus points |
| Product type | Business credit card |
| How to earn it | Spend $5,000 within the first 120 days |
| Required spending | $5,000 |
| Annual fee | $0 |
| Potential cost | $0 annual fee; interest and other applicable charges may still apply |
| Fine print | Offer applies to qualifying new business card accounts. Credit approval and eligible-purchase requirements apply. |
| Expiration date | No published expiration date |
| Availability | Through Zions Bank business credit card channels |
| Who qualifies | Approved business applicants |
More official info: Zions Bank Business Credit Cards
Promotional Rates
This section includes only rates and discounts that are promotional, introductory, limited-time, or otherwise tied to a special offer.
12-Month Promotional CD
| Detail | Offer |
|---|---|
| Promotion | 3.72% APY |
| Product type | Certificate of Deposit |
| Term | 12 months |
| Minimum deposit | $1,000 |
| How to qualify | Open the promotional 12-month CD with at least $1,000 and meet the qualifying account requirement |
| Potential cost | An early withdrawal penalty may apply if funds are withdrawn before maturity |
| Fine print | Promotional APY applies to the initial CD term. Renewal rates may differ. Review maturity, renewal, and early-withdrawal terms before opening. |
| Expiration date | No published expiration date; advertised as a limited-time offer |
| Availability | Through Zions Bank |
| Who qualifies | Customers meeting the promotional requirements |
More official info: Zions Bank 12-Month CD Promotion
Bank@Work Consumer Loan Discount
Eligible Bank@Work customers may receive a 0.25 percentage-point rate discount on qualifying consumer loans.
| Detail | Offer |
|---|---|
| Discount | 0.25 percentage points |
| Product type | Consumer loans |
| Eligible products | Qualifying personal, auto, boat, RV, and home equity loans |
| How to qualify | Participate in Bank@Work and meet the applicable loan requirements |
| Potential cost | Normal interest and other product-specific borrowing costs still apply |
| Fine print | Credit approval and product restrictions apply. Compare the final discounted rate and total borrowing cost, not only the size of the discount. |
| Expiration date | No published expiration date |
| Availability | Through Bank@Work and Zions Bank |
| Who qualifies | Eligible Bank@Work customers |
More official info: Zions Bank Bank@Work
SBA 7(a) Promotional Rate
Zions Bank currently offers a promotional discount on select SBA 7(a) loans.
| Detail | Offer |
|---|---|
| Discount | 1.50 percentage points below applicable Zions Bank SBA pricing |
| Product type | SBA 7(a) business loan |
| How to qualify | Apply for an eligible SBA loan and satisfy Zions Bank and SBA requirements during the promotional period |
| Potential cost | Interest and applicable SBA or loan-related costs still apply |
| Fine print | Subject to credit approval, SBA approval, loan eligibility, and promotional terms. Review the final rate and total borrowing cost before closing. |
| Expiration date | December 31, 2026 |
| Availability | Through Zions Bank business lending |
| Who qualifies | Eligible SBA borrowers |
More official info: Zions Bank SBA Promotion
Credit Card Introductory APR Offers
Some Zions Bank personal credit cards also offer introductory APR periods on qualifying purchases, balance transfers, or both.
| Detail | Offer |
|---|---|
| Promotion | Introductory APR offers vary by card |
| Product type | Personal credit cards |
| How to qualify | Open an eligible card offering an introductory APR |
| Potential cost | Balance-transfer fees may apply, and regular variable APRs apply after the promotional period |
| Fine print | Promotional periods and eligible transactions vary by card. Verify the exact introductory period, transfer deadline, applicable fees, and post-promotional APR before applying. |
| Expiration date | Varies by card |
| Availability | Online |
| Who qualifies | Approved applicants for participating cards |
More official info: Zions Bank Personal Credit Cards
Referral Programs
No public consumer or business customer referral bonus is currently available.
Member Deals and Discounts
Not all Zions Bank bonuses and promotions are tied directly to bank accounts or credit cards. Zions Bank also provides customer deals and discounts.
These can include:
- Broadway and entertainment ticket presales
- Admission discounts
- Event offers
- Other limited-time customer deals
Zions Bank Offers and Discounts
| Detail | Offer |
|---|---|
| Offer type | Entertainment, ticket, admission, and other customer discounts |
| Product type | Customer perk |
| How to get it | Select the individual deal on Zions Bank’s Offers and Discounts page and follow its redemption instructions |
| Potential cost | Ticket prices, admission charges, service fees, or other purchase costs may still apply depending on the offer |
| Fine print | Eligibility, redemption method, purchase limits, dates, and availability vary by individual deal. |
| Expiration date | Varies by offer |
| Availability | Offers are listed online; redemption method varies |
| Who qualifies | Depends on the individual offer |
Because these deals can change frequently, check the current Zions Bank Offers and Discounts page before making a purchase.
More official info: Zions Bank Offers and Discounts
Frequently Asked Questions
Does Zions Bank currently offer a checking account bonus?
Yes. Eligible employees of participating Bank@Work businesses may qualify for a $250 bonus when opening a new Advantage Checking account and meeting the promotion requirements.
How much could the $250 Zions Bank checking bonus be worth after monthly fees?
The current Bank@Work Advantage Checking terms list a $5 monthly service fee. If that fee applies during all six months the account must remain open, the total would be $30.
That would reduce the $250 headline bonus to approximately $220 before taxes and any other fees. Customers who qualify to avoid the monthly fee could retain more of the bonus.
Does Zions Bank currently offer a savings account bonus?
Zions Bank does not currently advertise a standard cash signup bonus for a personal savings account. Its 2025–2026 Pays for A’s program ended July 31, 2026, although a separate Dollars for Scholars student banking sweepstakes is currently active.
Does Zions Bank offer credit card bonuses?
Yes. Several Zions Bank personal and business credit cards currently offer cash back, bonus points, or enhanced introductory rewards.
Does Zions Bank offer business promotions?
Yes. Current business-related offers include business credit card welcome bonuses, a merchant services promotion, and a promotional SBA lending rate.
Are Zions Bank promotions available online?
It depends on the promotion. Some offers can be accessed online, while others are available through a participating employer, Zions Bank representative, business banker, or another specified channel.
Can existing Zions Bank customers qualify for promotions?
It depends on the offer. Some promotions require a new account, new credit card, or new service relationship, while others may be available to eligible existing customers.
Are Zions Bank bonuses taxable?
Cash bank-account bonuses may be considered taxable income. Credit card rewards and other incentives can be treated differently depending on how they are earned. Review applicable tax documents and current IRS guidance for your situation.
How often do Zions Bank promotions change?
There is no fixed schedule. Zions Bank can add, modify, or end bonuses, promotional rates, sweepstakes, and customer discounts throughout the year.
Disclaimer: Promotions, bonuses, rates, eligibility requirements, and other offer terms may change or be discontinued without prior notice. UtahFi works to keep this information current but cannot guarantee that all offer details remain unchanged. Always verify the latest terms and conditions directly with the financial institution before opening an account, applying for a product, or participating in an offer.
