National Bank of Arizona
National Bank of Arizona AmaZing Rewards
- Top earn
- 2%
- Annual fee
- $0
Card comparison
Which card is better between National Bank of Arizona AmaZing Rewards and Zions Bank AmaZing Rewards?
National Bank of Arizona AmaZing Rewards and Zions Bank AmaZing Rewards are effectively tied on Madeen's weighted scorecard across categories, bonus, benefits, and fee — your spend mix decides the winner.
Effective rate Tie
Annual fee Tie
Welcome bonus Tie
Benefits value Tie
Tie is the stronger overall pick between National Bank of Arizona AmaZing Rewards and Zions Bank AmaZing Rewards because the weighted score across categories, bonus, benefits, and fee is effectively a tie. National Bank of Arizona AmaZing Rewards (2% top effective rate) vs Zions Bank AmaZing Rewards (2%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Choose A if
Choose National Bank of Arizona AmaZing Rewards when its strongest categories, bonus, or perks match how you actually spend.
Choose B if
Choose Zions Bank AmaZing Rewards when the fee, welcome bonus, or issuer ecosystem fits better than the headline winner.
Full comparison
How do National Bank of Arizona AmaZing Rewards and Zions Bank AmaZing Rewards compare across all spend categories?
Across all five spend categories, National Bank of Arizona AmaZing Rewards and Zions Bank AmaZing Rewards trade wins row by row. National Bank of Arizona AmaZing Rewards peaks at 2% effective; Zions Bank AmaZing Rewards peaks at 2%. Tie wins the headline effective-rate view in this pair.
| Category / metric | National Bank of Arizona AmaZing Rewards | Zions Bank AmaZing Rewards | Winner |
|---|---|---|---|
| Dining | 1x points (1%) | 1x points (1%) | Tie |
| Grocery | 1x points (1%) | 1x points (1%) | Tie |
| Gas | 1x points (1%) | 1x points (1%) | Tie |
| Travel | 2x points (2%) | 2x points (2%) | Tie |
| Other | 1x points (1%) | 1x points (1%) | Tie |
| Welcome bonus | ~$1000 estimated | ~$1000 estimated | Tie |
| Est. annual benefits | $20560/yr | $20560/yr | Tie |
| Annual fee | $0 | $0 | Tie |
| Holistic overall | 51 pts (cat 20, bonus 10, benefits 13, fee 8) | 51 pts (cat 20, bonus 10, benefits 13, fee 8) | Tie |
Madeen take
How to think about this pair
National Bank of Arizona AmaZing Rewards (2% top effective rate) vs Zions Bank AmaZing Rewards (2%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Strategy
Use National Bank of Arizona AmaZing Rewards when Best for spenders who put meaningful volume in travel and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.. Use Zions Bank AmaZing Rewards when Best for spenders who put meaningful volume in travel and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.. National Bank of Arizona.
Welcome bonus playbook
If you are chasing a welcome bonus, National Bank of Arizona AmaZing Rewards leads on catalog bonus value. For long-term category earn after the bonus, Zions Bank AmaZing Rewards is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Madeen analysis
Which card has stronger benefits: National Bank of Arizona AmaZing Rewards or Zions Bank AmaZing Rewards?
Madeen estimates $20560 annual benefit value on National Bank of Arizona AmaZing Rewards versus $20560 on Zions Bank AmaZing Rewards. Credits only matter if you will use them.
National Bank of Arizona AmaZing Rewards
Total est. value: $20,560/yr
Credits and perks only help if you will actually use them in a typical year.
- Purchase Security and Extended Protection $10,000/yr
- Lost Luggage Reimbursement $3,000/yr
- Travel Accident Insurance $3,000/yr
- Travel Accident Insurance $3,000/yr
- Roadside Dispatch® $1,000/yr
Zions Bank AmaZing Rewards
Total est. value: $20,560/yr
Credits and perks only help if you will actually use them in a typical year.
- Purchase Security and Extended Protection $10,000/yr
- Lost Luggage Reimbursement $3,000/yr
- Travel Accident Insurance $3,000/yr
- Travel Accident Insurance $3,000/yr
- Roadside Dispatch® $1,000/yr
Welcome bonus
Which welcome bonus is stronger for National Bank of Arizona AmaZing Rewards or Zions Bank AmaZing Rewards?
If you are chasing a welcome bonus, National Bank of Arizona AmaZing Rewards leads on catalog bonus value. For long-term category earn after the bonus, Zions Bank AmaZing Rewards is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend. National Bank of Arizona AmaZing Rewards lists 100k National Bank of Arizona Points; Zions Bank AmaZing Rewards lists 100k Zions Bank Points.
National Bank of Arizona AmaZing Rewards
100k National Bank of Arizona Points
Zions Bank AmaZing Rewards
100k Zions Bank Points
Caps & conditions
Caps and earn limits
Both National Bank of Arizona AmaZing Rewards and Zions Bank AmaZing Rewards carry structured reward caps in the catalog. Compare the category that matters most before assuming the headline multiplier lasts all year.
National Bank of Arizona AmaZing Rewards
- Capped at $150000 per year.
Zions Bank AmaZing Rewards
- Capped at $150000 per year.
Who should pick which
Scenario playbook
Cashback-first user
Pick Tie
The two cards are too close for a clear winner in this scenario.
Travel & points user
Pick Tie
The two cards are too close for a clear winner in this scenario.
No annual fee priority
Pick Tie
The two cards are too close for a clear winner in this scenario.
Heavy dining spend
Pick Tie
For restaurant and dining-coded spend, the winner is whoever posts the stronger dining effective rate after caps and exclusions — see the category matrix for the current snapshot.
Heavy grocery spend
Pick Tie
Supermarket and grocery coding can differ from superstores and delivery, so compare the grocery row before you optimize a weekly shopping basket.
Welcome bonus chaser
Pick National Bank of Arizona AmaZing Rewards
If you are chasing a welcome bonus, National Bank of Arizona AmaZing Rewards leads on catalog bonus value. For long-term category earn after the bonus, Zions Bank AmaZing Rewards is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Fee-sensitive keeper
Pick Tie
When you want the card that is easiest to keep year two, annual fee often matters more than a narrow category edge.
Decision guide
Which card is better between National Bank of Arizona AmaZing Rewards and Zions Bank AmaZing Rewards?
Tie is the better overall pick because the weighted score across categories, bonus, benefits, and fee is effectively a tie. National Bank of Arizona AmaZing Rewards (2% top effective rate) vs Zions Bank AmaZing Rewards (2%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
When should you pick National Bank of Arizona AmaZing Rewards over Zions Bank AmaZing Rewards?
Choose National Bank of Arizona AmaZing Rewards if Best for spenders who put meaningful volume in travel and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.. Worth a look for travel spend if you need a business card and can use National Bank of Arizona Points the way you redeem today.
Strengths
- Strongest Madeen category is travel at about 2% effective (2x points).
- That travel rate ranks higher than about 80% of cards we track in the category.
- No annual fee in our catalog snapshot.
Tradeoffs
- Charges $3 foreign transaction fees.
- National Bank of Arizona Points value depends on how you redeem, not straight cash back.
When should you pick Zions Bank AmaZing Rewards over National Bank of Arizona AmaZing Rewards?
Choose Zions Bank AmaZing Rewards if Best for spenders who put meaningful volume in travel and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.. Worth a look for travel spend if you need a business card and can use Zions Bank Points the way you redeem today.
Strengths
- Strongest Madeen category is travel at about 2% effective (2x points).
- That travel rate ranks higher than about 80% of cards we track in the category.
- No annual fee in our catalog snapshot.
Tradeoffs
- Charges $3 foreign transaction fees.
- Zions Bank Points value depends on how you redeem, not straight cash back.
Common questions about National Bank of Arizona AmaZing Rewards vs Zions Bank AmaZing Rewards
Which card is better between National Bank of Arizona AmaZing Rewards and Zions Bank AmaZing Rewards?
Tie is the stronger overall fit because the weighted score across categories, bonus, benefits, and fee is effectively a tie. The overall winner depends on your spend mix — use the scorecard rows and scenario playbook to see where each card actually wins.
Which card wins on dining: National Bank of Arizona AmaZing Rewards or Zions Bank AmaZing Rewards?
Dining is effectively a tie on effective rate in this snapshot.
Which card is better for cashback users: National Bank of Arizona AmaZing Rewards or Zions Bank AmaZing Rewards?
Tie is the better cashback-style pick between National Bank of Arizona AmaZing Rewards and Zions Bank AmaZing Rewards.
Which welcome bonus is stronger between National Bank of Arizona AmaZing Rewards and Zions Bank AmaZing Rewards?
If you are chasing a welcome bonus, National Bank of Arizona AmaZing Rewards leads on catalog bonus value. For long-term category earn after the bonus, Zions Bank AmaZing Rewards is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Which card has stronger benefits: National Bank of Arizona AmaZing Rewards or Zions Bank AmaZing Rewards?
Both cards carry meaningful perks; compare the benefits table for credits you will actually use.
Which card has the lower annual fee: National Bank of Arizona AmaZing Rewards or Zions Bank AmaZing Rewards?
Tie has the simpler fee story in this pair ($0 vs $0). Annual fee only wins if you use the rewards and credits that justify it.
Is National Bank of Arizona AmaZing Rewards or Zions Bank AmaZing Rewards better for travel spend?
Tie is the stronger travel-style pick between National Bank of Arizona AmaZing Rewards and Zions Bank AmaZing Rewards in this snapshot.
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Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-25
Content tier Premium depth
National Bank of Arizona and Zions Bank (and related product names) are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, or endorsed by either issuer. Madeen is an independent credit-card comparison and education service.
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