Overview
Zions Bank Promotions currently include checking incentives, 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: Zions Bank Promotions
Zions Bank promotions are a combination of banking bonuses, credit card rewards, promotional rates, and customer discounts for eligible individuals and businesses in Utah. Offers vary by product, with different qualification requirements and expiration dates.
| Promotion Category | Current Offer Summary |
|---|---|
| Checking Account Bonuses | $250 Bank@Work Advantage Checking bonus for eligible participants |
| Savings Account Bonuses | No verified standard savings account cash signup bonus |
| Business Account Bonuses | No currently verified standard business checking signup bonus |
| Consumer Credit Card Bonuses | Cash back and bonus points on select cards, including offers of up to $500 cash back or 50,000 bonus points |
| Business Credit Card Bonuses | Select cards advertise $1,000 cash back, a $1,000 statement credit, or 100,000 bonus points; stated expiration November 30, 2026 |
| Promotional Rates | Promotional CD rates, qualifying loan discounts, and introductory credit card APR offers; current terms require confirmation |
| Referral Programs | No publicly verified referral bonus |
| Member Deals and Discounts | 20% off select Thriller tickets through October 24, 2026; museum admission coupons and Broadway ticket presales |
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 | $7.50; waived with at least $250 in monthly direct deposits or a $500 minimum daily balance |
| Fine print | Available to eligible employees through participating Bank@Work employers. Direct deposit is required, and the account must remain open for at least 6 months. Review the current account and promotion terms for eligibility and fee-waiver requirements. |
| Expiration date | No published expiration date |
| Availability | Utah, for eligible employees of participating businesses |
| Who qualifies | Eligible employees of participating businesses |
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 publicly verified cash signup bonus for opening a standard business checking account. The previously listed $450 merchant services promotion had a September 30, 2026 expiration date, and an extension has not been confirmed.
Credit Card Bonuses
Zions Bank offers welcome bonuses and enhanced introductory rewards on select personal and business credit cards. Depending on the card, eligible applicants may qualify for cash back, bonus points, or statement credits after meeting the applicable requirements.
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, up to $200 in bonus cash back |
| Annual fee | $0 |
| Potential cost | $0 annual fee; interest and other applicable card charges can still apply |
| Fine print | Offer applies to new approved cardholders. Cash advances, balance transfers, returned merchandise, and other transactional items do not earn cash back. Bonus cash back is capped at $200. |
| Expiration date | No published expiration date; offer is subject to change |
| Availability | Available to qualifying Utah applicants |
| Who qualifies | New approved Agility Cash cardholders |
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, up to 30,000 bonus points |
| Annual fee | $0 |
| Potential cost | $0 annual fee; interest and other applicable card charges can still apply |
| Fine print | Offer applies to new approved cardholders. Cash advances, balance transfers, returned merchandise, and other transactional items do not earn rewards. Bonus rewards are capped at 30,000 points. |
| Expiration date | No published expiration date; offer is subject to change |
| Availability | Available to qualifying Utah applicants |
| Who qualifies | New approved Vivid Rewards cardholders |
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 qualifying purchases within 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 | Offer applies to new approved cardholders. Cash advances, balance transfers, returned merchandise, and other transactional items do not count toward the spending requirement. The bonus is added within 4 to 6 weeks after the end of the 90-day promotion. |
| Expiration date | No published expiration date; offer is subject to change |
| Availability | Available to qualifying Utah applicants |
| Who qualifies | New approved Premier cardholders |
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 qualifying purchases within 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 | Offer applies to new approved cardholders. Cash advances, balance transfers, returned merchandise, and other transactional items do not count toward the spending requirement. The bonus is added within 4 to 6 weeks after the end of the 90-day promotion. |
| Expiration date | No published expiration date; offer is subject to change |
| Availability | Available to qualifying Utah applicants |
| Who qualifies | New approved Elite cardholders |
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 qualifying purchases within the first 90 days |
| Required spending | $5,000 |
| Annual fee | $450, plus $50 for each additional card user |
| Potential bonus after annual fee | About $50 if choosing the $500 cash bonus and considering only the $450 annual fee |
| Fine print | Offer applies to new approved cardholders. Cash advances, balance transfers, returned merchandise, and other transactional items do not count toward the spending requirement. The bonus is added within 4 to 6 weeks after the end of the 90-day promotion. |
| Expiration date | No published expiration date; offer is subject to change |
| Availability | Available to qualifying Utah applicants |
| Who qualifies | New approved Reserve cardholders |
More official info: Zions Bank Personal Credit Cards
Business Credit Cards
Amazing Cash for Business
| Detail | Offer |
|---|---|
| Bonus | $1,000 cash back |
| Product type | Business credit card |
| How to earn it | Spend $5,000 in qualifying purchases within the first 120 days of account opening |
| Required spending | $5,000 |
| Annual fee | $0 |
| Potential cost | $0 annual fee; interest and other applicable card charges can still apply |
| Fine print | One bonus payment is allowed per business. The bonus is not available to clients with an open business credit card relationship within the previous 12 months or who received an introductory promotional bonus within the previous 48 months. Cash advances, balance transfers, returned merchandise, and other transactional items do not count toward the spending requirement. Bonus cash is added within 4 to 6 weeks after the end of the 120-day promotion. |
| Expiration date | November 30, 2026 |
| Availability | Available to qualifying Utah businesses |
| Who qualifies | Eligible new Amazing Cash for Business cardholders, subject to credit approval and bonus eligibility restrictions |
Amazing Rate for Business
| Detail | Offer |
|---|---|
| Bonus | $1,000 statement credit |
| Product type | Business credit card |
| How to earn it | Spend $5,000 in qualifying purchases within the first 120 days of account opening |
| Required spending | $5,000 |
| Annual fee | $0 |
| Potential cost | $0 annual fee; interest and other applicable card charges can still apply |
| Fine print | One bonus payment is allowed per business. The bonus is not available to clients with an open business credit card relationship within the previous 12 months or who received an introductory promotional bonus within the previous 48 months. Cash advances, balance transfers, returned merchandise, and other transactional items do not count toward the spending requirement. The bonus is awarded within 4 to 6 weeks after the end of the 120-day promotion and is applied as a statement credit. |
| Expiration date | November 30, 2026 |
| Availability | Available to qualifying Utah businesses |
| Who qualifies | Eligible new Amazing Rate for Business cardholders, subject to credit approval and bonus eligibility restrictions |
Amazing Rewards for Business
| Detail | Offer |
|---|---|
| Bonus | 100,000 bonus points |
| Product type | Business credit card |
| How to earn it | Spend $5,000 in qualifying purchases within the first 120 days of account opening |
| Required spending | $5,000 |
| Annual fee | $0 |
| Potential cost | $0 annual fee; interest and other applicable card charges can still apply |
| Fine print | One bonus payment is allowed per business. The bonus is not available to clients with an open business credit card relationship within the previous 12 months or who received an introductory promotional bonus within the previous 48 months. Cash advances, balance transfers, returned merchandise, and other transactional items do not count toward the spending requirement. Bonus points are added within 4 to 6 weeks after the end of the 120-day promotion. |
| Expiration date | November 30, 2026 |
| Availability | Available to qualifying Utah businesses |
| Who qualifies | Eligible new Amazing Rewards for Business cardholders, subject to credit approval and bonus eligibility restrictions |
All three listed Zions Bank business credit card bonus offers have a stated expiration date of November 30, 2026. Verify the current promotional terms before applying.
More official info: Zions Bank Business Credit Cards
Promotional Rates
This section includes rates and discounts that are promotional, introductory, limited-time, or otherwise tied to a special offer.
5-Month Promotional CD
| Detail | Offer |
|---|---|
| Promotion | 3.72% APY (3.65% interest rate) |
| Product type | Certificate of Deposit |
| Term | 5 months |
| Minimum deposit | $1,000 |
| How to qualify | Open the promotional CD with at least $1,000 and have a qualifying Zions Bank personal or business checking account |
| Potential cost | An early withdrawal penalty may apply if funds are withdrawn before maturity |
| Fine print | The promotional rate applies only to the initial term. At maturity, the CD renews at the then-current published 3-month CD rate. A qualifying Zions Bank checking account is required. |
| Expiration date | No published expiration date; promotion may end at any time |
| Availability | Utah |
| Who qualifies | Customers meeting the minimum deposit and qualifying checking account requirements |
More official info: Zions Bank Utah Deposit Rates
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 | Utah |
| Who qualifies | Eligible Bank@Work customers |
More official info: Zions Bank Bank@Work
SBA 7(a) Promotional Rate
Zions Bank has advertised 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 | Utah |
| Who qualifies | Eligible SBA borrowers |
More official info: Zions Bank SBA Promotion
Credit Card Introductory APR Offers
Several Zions Bank personal and business credit cards have advertised introductory APR periods.
| Card | Introductory APR Offer |
|---|---|
| Agility Cash | 0% APR on purchases for 6 months and balance transfers for 12 months |
| Vivid Rewards | 0% APR on purchases for 6 months and balance transfers for 12 months |
| Clarity | 0% APR on purchases for 6 months and balance transfers for 15 months |
| Premier | 0% APR on balance transfers for 6 months |
| Elite | 0% APR on balance transfers for 6 months |
| Reserve | 0% APR on balance transfers for 6 months |
| Amazing Cash for Business | 0% APR on purchases for 6 months |
| Amazing Rewards for Business | 0% APR on purchases for 6 months |
| Amazing Rate for Business | 0% APR on purchases for 6 months |
For personal cards, qualifying balance transfers must generally be requested within the first 60 days and are subject to a 3% balance-transfer fee with a $5 minimum. Regular variable APRs apply after the introductory periods. Business-card introductory purchase APRs do not apply to balance transfers or cash advances.
Availability: Available to qualifying Utah applicants and businesses.
More official info: Zions Bank Personal Credit Cards | Zions Bank Business Credit Cards
Referral Programs
Zions Bank does not currently advertise a public referral bonus for personal or business customers.
Member Deals and Discounts
Not all Zions Bank promotions are tied directly to bank accounts or credit cards. Zions Bank also provides customer offers and discounts that can include entertainment, tickets, admission, and other limited-time deals.
Current Offers and Discounts
| Detail | Offer |
|---|---|
| Offer | Odyssey Dance Theatre’s Thriller |
| Discount | 20% off tickets |
| Location | The Grand Theatre, Salt Lake City, Utah |
| Eligibility | Zions Bank customers |
| Expiration date | October 24, 2026 (last scheduled performance) |
Natural History Museum of Utah — Admission Offer
| Detail | Offer |
|---|---|
| Offer | Natural History Museum of Utah admission coupon |
| Discount | One free adult admission coupon, plus $2 off admission per person for up to five people |
| Location | Natural History Museum of Utah, Salt Lake City |
| How to redeem | Print the coupon provided through Zions Bank |
| Expiration date | No published expiration date |
Broadway Ticket Presales
| Detail | Offer |
|---|---|
| Offer | Early access to select Broadway show tickets |
| Benefit | Ticket presales before general public availability |
| Locations | Salt Lake City, Utah, and Boise, Idaho |
| How to participate | Subscribe to Zions Bank’s monthly zMail eNewsletter for presale announcements and purchasing instructions |
| Expiration date | Varies by show; no specific upcoming presale announced |
More official info: Zions Bank Current Offers and Discounts
Frequently Asked Questions
What types of promotions does Zions Bank offer?
Zions Bank promotions can include checking account bonuses, credit card welcome offers, promotional interest rates, business banking incentives, and customer discounts. Available promotions and eligibility requirements vary by product.
How do I qualify for a Zions Bank promotion?
Qualification requirements depend on the promotion. Some offers require opening a new account, completing qualifying transactions, meeting spending requirements, maintaining a minimum balance, or participating in an eligible banking program. Always review the official terms before applying.
Are Zions Bank promotions available to existing customers?
Some promotions may be available to existing customers, while others are limited to new customers or new accounts. Eligibility may also depend on previous account relationships, participation in earlier promotions, or other restrictions.
Are Zions Bank promotions available throughout Utah?
Zions Bank serves customers throughout Utah, but individual promotions may have geographic, account, employment, or other eligibility restrictions. Availability should be confirmed for each offer.
Can I receive more than one Zions Bank bonus?
Eligibility for multiple bonuses depends on the terms of each promotion. Some offers restrict participation based on previous bonuses, existing accounts, or the number of incentives available to an individual or business.
How long does it take to receive a Zions Bank bonus?
Bonus payment timelines vary by promotion. Some incentives are awarded after qualifying activities are completed, while others require an additional processing period. The official offer terms explain when and how rewards are distributed.
Are Zions Bank bonuses taxable?
Cash bonuses earned from deposit account promotions may be considered taxable income. Credit card rewards can receive different tax treatment depending on how they are earned. Consult a qualified tax professional for guidance about your specific situation.
Where can I verify Zions Bank promotion terms?
The official Zions Bank website provides product information, promotional disclosures, and eligibility requirements. Review the applicable terms before opening an account or applying for an offer.
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.
