When I look at the schedule for tomorrow, (8/18) there is one direct train marked BEX (Bernina Express) departing at 8:32 am, arrive Tirano at 12:45 pm taking 4 hours and 13 minutes. As David pointed out, there is also a BEX train leaving from Davos at 9:53 am. To get that one from Chur, you need to take a connecting train that leaves Chur at 8:58 and connects with it at Filisur at 10:16 am. There is also a BEX train leaving St Moritz at 3:12 pm. To get that one, take the connecting train from Chur at 12:58 pm
All the BEX trains have panorama cars, but there are other trains plying these tracks at least once per hour. Some people prefer them as you can open the windows for better photographs. They also don't charge the Bernina Express reservation fee.
Since this is for next summer, remember there will be 2 schedule adjustments between now and then. They usually don't change much, if at all, but something to keep an eye out for.
Edit - and rather than spend your arrival night in Zurich, spend it in Chur. You can easily get trains from Zurich airport to Chur after changing trains at Zurich Hbf.