National Bank of Arizona Elite Credit Card
- Annual fee
- $195
- Recommended credit
- Excellent
- Card network
- Visa
- Regular purchase APR
- 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
At a glance
The National Bank of Arizona Elite Credit Card offers considerable value to cardholders but struggles to justify its hefty $195 annual fee. The card earns a competitive 3X on travel and dining purchases, but other cards comparable perks at a lower price point.
Our review of the National Bank of Arizona Elite Credit Card
The National Bank of Arizona Elite Credit Card is a premium rewards Visa card that stands out with its triple points on travel and dining worldwide. With no foreign transaction fees and a generous introductory bonus, this card is a top choice for travelers.
How to Earn Points
Earn 3X points on travel and dining purchases, with every other purchase earning 1.5X points. The worldwide earning potential sets this card apart from others in its class. Plus, with no foreign transaction fees, you can save even more on your international travels.
Introductory Points Bonus
Get 30,000 bonus points by spending $5,000 in the first 90 days. That’s $1,500 in spending per month, earning you an extra 6X on your purchases. These bonus points have a cash value of $300, giving you a head start on your next dream vacation or business trip.
How to Redeem Points
Points earned with the NB | AZ Elite Credit Card can be redeemed through the AmaZing Rewards Program at a rate of $0.01 per point. Enjoy a variety of redemption options, including travel, merchandise, gift cards, and more. Plus, there are no blackout dates when booking award travel.
Annual Travel Credit
Receive a $100 annual travel credit that can be used for qualifying purchases in various merchant categories, including airlines, hotels, and TSA Pre-Check or Global Entry application fees. This credit helps offset additional fees and enhances your travel experience.
Competitive APR
The Elite Card offers a competitive APR, especially for those with excellent credit scores. Enjoy a 0% intro APR on balance transfers for the first six months, with a special fixed rate of 7% for existing Zions Bancorp balances transferred over. This makes it a valuable option for current bank customers.
Should You Apply?
The National Bank of Arizona Elite Card is a reliable choice for travelers seeking premium rewards and exclusive benefits. With its triple points on travel and dining, generous introductory bonus, and competitive APR, this card offers exceptional value. Consider your travel habits and spending preferences to determine if this card is the right fit for you.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Get $300 or 30,000 points when you spend $5,000 within the first 90 days
- Earn 3% cash or 3X points on travel and dining purchases
- Earn 1.5% cash or 1.5X points on everything else
- $100 annual travel credit
- No blackout dates or restrictions on redemptio
Who this card may suit
- You frequently use your credit card on travel and dining purchases
- You have a current credit card balance you want to pay down over 6 months at a lower rate
- You want a card that is versatile worldwide, thanks to no foreign transaction fees
- You currently bank with National Bank of Arizona, or another Zions Bancorp brand
Rates, fees and terms
| Annual Fee | $195 |
|---|---|
| Regular Purchase APR | 19.49% to 27.49% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 6 months from account opening date |
| Balance Transfer APR | 19.49% to 27.49% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 28.49% to 29.49% variable based on creditworthiness and the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Late Payment Penalty Fee | Up to $35 |
| Return Payment Penalty Fee | Up to $35 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.
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National Bank of Arizona Elite Credit Card
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