Applicants must reside in the servicing area of Zions Bank (Utah, Idaho, or Wyoming) or have a current checking or savings account with Zions Bank in order to submit an application for a credit card. APR for Balance Transfers: 0.00% Introductory APR on Balance Transfers for the first 12 months for balance transfer requests received within 60 days of account opening; after that, 14.24% APR (variable with the Prime Rate). Cash Advance Fee and Balance Transfer Fee: 3% of the amount of the transaction, but not less than $10. Foreign Transaction Fee: 3% of the U.S dollar amount of the transaction, whether originally made in U.S. dollars or converted from a foreign currency. Late Payment Fee: $19 on account balances up to $249.99; $29 on balances between $250.00 and $499.99; $39 on balances of $500.00 or more. Returned Payment Fee and Over Limit Fee: Up to $29.