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  Zions Bank Vivid Rewards Visa® Credit Card
Zions Bank Vivid Rewards Visa® Credit Card Unaffiliated

Zions Bank Vivid Rewards Visa® Credit Card

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 14.50% - 26.50%
(Verified 09/04/2022)
Balance Transfer APR  (Variable APR) 14.50% - 26.50%
(Verified 09/04/2022)
Credit Score Range Starting at 670
Annual Fee $0

Zions Bank Vivid Rewards Visa® Credit Card Review

This is a rewards credit card issued by Zions Bancorporation. If you're wondering whether Vivid Rewards Visa Credit Card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Earn up to 30,000 bonus points with double points for 12 months.
  • Competitive APRs. Zions Bank Vivid Rewards Visa® Credit Card has a variable purchase APR that ranges from 14.50% up to 26.50%.
  • 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.
  • 3% Balance transfer fee. Zions Bank 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.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, travel accident insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of Vivid Rewards Visa Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Travel accident insurance.
  • Cardholders can earn rewards on their purchases.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Charges a 3% balance transfer fee.

Vivid Rewards Visa Credit Card FAQ

Does Vivid Rewards Visa Credit Card have a cash back or rewards program?

Vivid Rewards Visa Credit Card is a rewards card.

Vivid Rewards Visa Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($)

Does Vivid Rewards Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Vivid Rewards Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Vivid Rewards Visa Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Zero fraud liability
  • Travel Accident Insurance
  • Cell Phone Protection

What are the relevant APRs for Vivid Rewards Visa Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Zions Bank Vivid Rewards Visa® Credit Card has a variable purchase APR that ranges from 14.50% up to 26.50%. The card has a variable balance transfer APR that ranges from 14.50% up to 26.50%.

Does Vivid Rewards Visa Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Zions Bank Vivid Rewards Visa® Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 14.50% - 26.50%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Does Vivid Rewards Visa Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Vivid Rewards Visa Credit Card?

The following fees apply:

Vivid Rewards Visa Credit Card Fees
Fees Amount
Annual Fee $0

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

What is the customer service phone number for Vivid Rewards Visa Credit Card?

The Vivid Rewards Visa Credit Card customer service number is (888) 307-3411.

What is the support contact email for Vivid Rewards Visa Credit Card?

The support contact email for Vivid Rewards Visa Credit Card is james.abbott@zionsbancorp.com.

What is the Vivid Rewards Visa Credit Card login page?

You can access the Vivid Rewards Visa Credit Card login page here.

How do people rate the customer service and user experience of Vivid Rewards Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

How to apply for Vivid Rewards Visa Credit Card

  • Visit the Vivid Rewards Visa Credit Card website.
  • 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.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Annual Fee $0
Customer Type Personal
Minimum Age 21
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 670 -
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Cellular Telephone Protection
  • Travel Accident Insurance
  • Concierge
Bonus Offer Earn up to 30,000 bonus points with double points for 12 months.
APR Type Variable APR
Purchase APR (Variable APR) 14.50% - 26.50%
(Verified 09/04/2022)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.50% - 26.50%
(Verified 09/04/2022)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
Card Network Visa

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