Zions Bank Vivid Rewards Visa® Credit Card

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 ($)

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%.

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.

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.