A zone-based crack retardation model that responds to single cycle overloads is applied to a phase field fatigue framework. Fatigue crack growth is incorporated through the degradation of fracture toughness in the phase field fracture model where a representative loading strategy is followed instead of explicit cyclic loading. The model is demonstrated to capture Paris-Erdogan law type behavior. Crack growth retardation following an overload cycle is simulated through a zone ahead of the crack tip taking inspiration from existing plastic zone-based retardation models. The retardation zone is described through a strain energy density limit, with the overload ratio controlling the extent to which the fatigue damage accumulation rate is slowed inside the retardation zone. The model is implemented utilizing user subroutines in Abaqus with coupled-temperature displacement elements where temperature acts as a stand in for the phase field parameter. The model is found capable of reproducing experimental levels of fatigue life gains and reduction in crack growth rate for compact tension and center-cracked tension panel specimens when various overload levels are applied. Furthermore, the model is demonstrated to be able to capture complex crack paths with great accuracy.