National Bank of Arizona Reserve Credit Card
- Annual fee
- $450
- Recommended credit
- Excellent
- Card network
- Visa
- Regular purchase APR
- 19.49% to 29.49% variable based on the Prime Rate
At a glance
The National Bank of Arizona Reserve Card offers luxury rewards with an ultra-premium price tag. The card earns an impressive tally of points on every purchase, plus features a hefty introductory bonus.
Our review of the National Bank of Arizona Reserve Credit Card
If you’re looking for an ultra-premium travel rewards card that can compete with big names like the Platinum Card from AMEX or the Chase Sapphire Reserve, the National Bank of Arizona Reserve Card is worth considering.
Hefty Signup Bonus
New account holders can earn an impressive 50,000 points (equal to $500 cash back) after spending $5,000 on purchases within the first 90 days. With a $450 annual fee, reaching this spending threshold shouldn’t be too challenging.
Triple Points on Travel and Dining Worldwide
Earn 3X points on worldwide dining and travel purchases, equivalent to 3% cash back. This puts the NB | AZ Reserve Card on par with the Chase Sapphire Reserve, despite being $100 cheaper.
Double Points on All Other Purchases
Enjoy 2X points on all other purchases, surpassing many other luxury travel cards in terms of base earning potential.
How to Redeem Rewards
The AmaZing Rewards Program allows points to be redeemed for statement credits at a rate of $0.01 per point. While not as valuable as some other rewards programs, the NB | AZ Reserve Card still offers solid value.
Annual Travel Statement Credits
Receive a $250 statement credit each year for additional travel expenses, including airlines, car rentals, and more.
Priority Pass Select Membership
Complimentary Priority Pass Select membership for up to four users on the same account, providing access to over 1,200 airport lounges worldwide.
Introductory Interest-Free Period on Balance Transfers
Enjoy a 0% intro APR on balance transfers for the first six months, making it a standout feature among luxury cards.
Should You Apply?
With its competitive rewards structure and global dining and travel categories, the National Bank of Arizona Reserve Card is a strong contender in the luxury credit card market. While it may have some drawbacks compared to higher-priced cards, it’s a solid choice for Arizona residents seeking a premium card. Consider other options like the Platinum Card or UBS Visa Infinite if luxury perks are your top priority.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Get $500 or 50,000 points when you spend $5,000 within the first 90 days
- Earn 3% cash or 3X points on travel and dining purchases
- Earn 2% cash or 2X points on everything else
- $250 annual travel credit
- Complimentary Priority Pass Select Lounge Access
- No blackout dates or restrictions on redemptio
Who this card may suit
- You want an ultra-premium travel card
- You plan to use their card for everyday purchases as well as for booking travel
- You're an existing account holder with NB | AZ or another Zions Bancorp bank
- You don’t expect to visit airport lounges more than five times per year
Rates, fees and terms
| Annual Fee | $450 |
|---|---|
| Regular Purchase APR | 19.49% to 29.49% variable based on the Prime Rate |
| Intro Balance Transfer APR | 0% for 6 months from account opening date |
| Balance Transfer APR | 19.49% to 29.49% variable based on 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 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 Reserve Credit Card
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