Last updated on August 18th, 2023
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Zions Bank Vivid Rewards Visa® Credit Card
Zions Bank Vivid Rewards Visa® Credit Card
- 17.50% to 29.50% variable based on the Prime Rate Regular Purchase APR
- 17.50% to 29.50% variable based on the Prime Rate Balance Transfer APR
- 26.50% to 30.50% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The Zions Bank Vivid Rewards Visa® Credit Card is a fun card ready to reward you for living life boldly. Get ready to earn up to 3x the points per $1 spent with the Vivid Rewards Card on a wide range of purchases. Additionally, earn 1x point per $1 spent on everything else. The benefits don’t stop there. Enjoy all that Zions Bank Vivid Rewards Visa® Credit Card has got to offer, and more, all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3 points per $1 spent on dining, entertainment, transit, and digital services
- Earn 1 point per $1 spent on all other eligible purchases
- No annual fee or foreign transaction fee
- 0% intro APR on purchases (for 6 months) and balance transfers (for 12 months)
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 17.50% to 29.50% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 60 days from account opening date
- Balance Transfer APR: 17.50% to 29.50% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.50% to 30.50% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $30
- You enjoy dining, entertainment, streaming, and more
- You want to earn Rewards for purchases on things you love
- You could use extra savings and benefits while traveling
- You're looking for a bold Rewards credit card without the added cost of an annual fee
Zions Bank Vivid Rewards Visa® Credit Card Review
Stay living boldly with the Zions Bank Vivid Rewards Visa® Credit Card from Zions First National Bank. Earn points on every dollar spent to get the most out of all your purchases made. Additionally, supplement your Rewards points with travel benefits and more.
Earn 3x Points on Things You Love
However boldly you live life, the Zions Bank Vivid Rewards Visa® Credit Card can earn you max points on your purchases. Earn 3x points per $1 spent on things you love, like eating, playing, going, and connecting. So, whether you’re having a night out on the town for a fancy dinner or picking up some takeout for a lazy day at home, the Vivid Rewards Visa Card has got you covered.
There are many ways to earn maximum points with the Zions Bank Vivid Rewards Visa® Credit Card. Earn 3x points per $1 on dining and entertainment like ticket purchases to see your favorite musician in concert. Maybe surprise a loved one with tickets to their favorite sports game. Earn maximum points for a movie theater date night filled with popcorn and candy. Get the most out of your points when you make purchases like these, including other forms of entertainment like visiting your preferred amusement park with family and friends, video games, and more.
Continue to earn Rewards points at the Enhanced Earn Rate of 3 points for every $1 spent on transportation like rideshares, public transit, railroads, and more. The same goes for your next trip to the gas station. Earn maximum points pumping gas for that road trip you have always dreamed of or pump gas for your daily commute. Let us not forget the Zions Bank Vivid Rewards Visa® Credit Card has got your back with maximum Rewards points on communication services like streaming, internet, wireless and more.
Earn Points for All purchases
Earning Rewards points at the Enhanced Earn Rate of 3x points for every $1 spent is a perk when your lifestyle includes dining, entertainment, transportation, and digital services. But when we are not out at a concert having a good time or filling up the gas tank for the week, we are probably out making purchases for daily life necessities like clothes, groceries, toiletries, and more. While this type of purchase does not earn Rewards at the Enhanced Earn Rate, it will still grant you 1x point for every $1 spent. Meaning all your purchases earn Rewards points, no matter the category. Every time you use your card, you stack up more redeemable points.
How to Redeem
Redeeming points with the Zions Bank Vivid Rewards Visa® Credit Card has a few requirements. Firstly, your account must be in good standing. You also must redeem at least 2,500 points at any one time, which leads to the last requirement. You must have a minimum of 2,500 points earned to redeem.
Your rewards might look something like this: spending a total of $834 on purchases qualified to receive the Enhanced Earn Rate of 3x points for every $1 spent will tally up your points to a total of 2,500. And will be available to redeem as a $25 credit to a purchase of your choice. Also note, that the credit of your Rewards points is not instantly redeemable. You must submit a request for redemption on the website, then the credit for your Rewards points will occur in 3-5 business days.
The Zions Bank Vivid Rewards Visa® Credit Card can be the perfect travel companion to supply funds for your travels. Whether it’s travel for business or pleasure, cardholders will gain some savings when shopping abroad because there is no foreign transaction fee. Typically a fee is charged with other rewards credit cards, like the Zions Bank AmaZing Cash for Business Credit Card or the Morgan Stanley Blue Cash Preferred® Card.
Lost Luggage & Travel Insurance
With foreign transaction fees out the airplane window, you will also be pleased to know this card has other travel benefits. Feel safe in your travels with Travel Accident Insurance and confident about your luggage valuables with available Lost Luggage Reimbursement. When you use your Vivid Rewards card to make an airline or common carrier ticket, you may be eligible for up to $3,000 for lost luggage coverage per trip. Lost Luggage Assistance applies to your preferred method of travel such as by air, ferry, cruise ship, train, or bus.
Other travel benefits:
- Built-in Auto Rental Coverage
- Visa Signature Hotel Privileges
- 27/7 Visa Signature Concierge Service
- Silvercar with Visa Signature (save up to 15%)
New applicants, if approved, can enjoy and benefit from the card offer on promotional APRs for both purchases and balance transfers. If you are on the market to make a large purchase to pay off in a few months, the Zions Bank Vivid Rewards Visa® Credit Card may be the right card for you. The same goes if you are planning to transfer an existing balance over for lower rates, which leads to savings on paying off debt. Best of all, you can enjoy all these benefits at no cost, meaning no annual fee. Save yourself some money and opt for a credit card that will benefit you with no added expense.
Other card perks:
- 24/7 Customer Service
- Personalized Card Alerts
- Tap To Pay (contactless technology)
- Roadside Dispatch
- Earn Uber Cash with Visa Local Offers
- Cell Phone Protection
- Zero Liability
- Extended Warranty
Should You Apply for the Zions Bank Vivid Rewards Visa® Credit Card?
The Zions Bank Vivid Rewards Visa® Credit Card is equipped with Rewards opportunities and benefits. From earning Rewards points on your purchases to added perks for travel, convenience, and protection. When you live life boldly, you go places. Why not earn Rewards while you are at it. Earn 1x points on every $1 spent on all purchases, no matter what they are, ranging from vacation flights to your daily morning coffee. Additionally, earn Rewards points at the Enhanced Earn Rate of 3x points for every $1 spent when you make purchases on dining, entertainment, transportation, and digital services like streaming, cable, internet, and wireless. If you are searching for a Rewards card with no annual fee that will benefit your lifestyle, this card could be the perfect fit.