Consumer Credit Card Agreement and Disclosure Statement 2023 11

Pricing in Zions Bancorporation's Consumer Credit Card Agreement and Disclosure Statement 2023 11 01 agreement is expressed relative to the Prime Rate. This review treats those figures as margins, which is what they are, and compares the fee terms that can be compared.

The disclosed terms

This page covers the agreement Zions Bancorporation filed for Consumer Credit Card Agreement and Disclosure Statement 2023 11 01. The filing runs 19 pages, and It is issued on the Visa network.

The filing is explicit about an annual fee line, a late payment maximum and a grace period. A purchase rate, a cash advance rate and a balance transfer rate are not stated.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

Margins, not APRs

Pricing here is disclosed in the form "Prime plus a margin". The numbers in this document are therefore the margin component only, and cannot be read as the cost of borrowing on their own.

No cost illustration appears in this section for a reason: multiplying a margin by a balance produces a meaningless number. The real rate is Prime plus the margin, and Prime is not in this document.

Confidence in the parse of this filing is moderate rather than high, so the figures below are best checked against the original.

What the card costs before you borrow

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Taking cash against the card means a cash advance fee of $10 or 3% of the advance, whichever is greater. Advances under roughly $333 are charged the flat $10; larger ones are charged 3%.

Transfers are charged 3% of the amount transferred, though no distinct transfer APR appears in the document. Shifting $7,500 across attracts something like $225 in fees on day one.

When a payment is late

Late payments are capped at $25 under this filing, about the 32nd percentile of late fee maximums in the corpus.

Grace period and minimum charge

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing.

Where interest applies at all, the filing bills at least $1. On a tiny balance that floor can dwarf the rate itself.

What the filing does not tell you

Absent from the captured terms: a purchase rate, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

How it sits in the issuer's own range

Zions Bancorporation has 10 agreements indexed on this site. Their disclosed purchase rates run from 14.04% to 14.04%, though this particular filing does not state one in comparable form.

4 of the issuer's other 6 disclosing filings are likewise fee-free.

Go to the source

This summary stands or falls on the linked PDF — 19 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

What can be said is how this card is priced, not what it costs. That distinction is the whole of the analysis here, and the agreement is the place to confirm the index it uses.