Last Updated: 07/28/2025
National Bank of Arizona Vivid Rewards Visa® Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.50% - 28.50%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
16.50% - 28.50%(Verified 06/21/2024)
Credit Score Range
690 - 850
Annual Fee
$0
National Bank of Arizona Vivid Rewards Visa® Credit Card Review
This is a rewards card issued by National Bank of Arizona. If you're wondering whether National Bank of Arizona Vivid Rewards Visa® Credit Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- Earn up to a 30,000 point bonus with double rewards for 12 months.
- APRs: National Bank of Arizona Vivid Rewards Visa® Credit Card has a variable regular purchase APR that ranges from 16.50% up to 28.50%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. National Bank of Arizona Vivid Rewards Visa® Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of National Bank of Arizona Vivid Rewards
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National Bank of Arizona Vivid Rewards FAQ
Does National Bank of Arizona Vivid Rewards have a cash back or rewards program?
National Bank of Arizona Vivid Rewards is a rewards card.
| Description |
Does National Bank of Arizona Vivid Rewards have a signup bonus?
Yes. Earn up to a 30,000 point bonus with double rewards for 12 months.
Does National Bank of Arizona Vivid Rewards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the National Bank of Arizona Vivid Rewards benefits?
National Bank of Arizona Vivid Rewards Visa® Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for National Bank of Arizona Vivid Rewards?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.National Bank of Arizona Vivid Rewards Visa® Credit Card has a variable purchase APR that ranges from 16.50% up to 28.50%. The card has a variable balance transfer APR that ranges from 16.50% up to 28.50%.
Does National Bank of Arizona Vivid Rewards have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.50% - 28.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does National Bank of Arizona Vivid Rewards have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for National Bank of Arizona Vivid Rewards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does National Bank of Arizona Vivid Rewards have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for National Bank of Arizona Vivid Rewards?
The customer service number for National Bank of Arizona Vivid Rewards is (520) 571-1500.
What is the support contact email for National Bank of Arizona Vivid Rewards?
The support contact email for National Bank of Arizona Vivid Rewards is interactive@nbarizona.com.
How do people rate the customer service and user experience of National Bank of Arizona Vivid Rewards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does National Bank of Arizona Vivid Rewards Visa® Credit Card report your account activity to credit bureaus?
Yes, National Bank of Arizona Vivid Rewards Visa® Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does National Bank of Arizona perform a hard credit pull?
Yes, National Bank of Arizona Vivid Rewards performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for National Bank of Arizona Vivid Rewards
- Visit the website of National Bank of Arizona Vivid Rewards.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
Other Services by National Bank of Arizona
Other Credit Cards from National Bank of Arizona
Rating not yet determined
Purchase APR
16.5% - 28.5%
Disclaimer popup with additional information
Balance Transfer APR
16.5% - 28.5%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
9.24% - 19.24%
Disclaimer popup with additional information
Balance Transfer APR
9.24% - 19.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
9.24% - 19.24%
Disclaimer popup with additional information
Balance Transfer APR
9.24% - 19.24%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
9.24% - 19.24%
Disclaimer popup with additional information
Balance Transfer APR
9.24% - 19.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14% - 23%
Disclaimer popup with additional information
Balance Transfer APR
14% - 23%
Disclaimer popup with additional information
Credit Score Range
690 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.49% - 26.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 26.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$195
Rating not yet determined
Purchase APR
18.49% - 26.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 26.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$95
Rating not yet determined
Purchase APR
18.49% - 28.49%
Disclaimer popup with additional information
Balance Transfer APR
18.49% - 28.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$450
Rating not yet determined
Purchase APR
9.24% - 19.24%
Disclaimer popup with additional information
Balance Transfer APR
9.24% - 19.24%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$25
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Learn MoreSuperMoney Net Recommendation Score
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