WalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersHigh rewards rateSpending caps on rewardsNo initial rewards bonusBalance transfer feeRequires good/excellent creditZions Bank Vivid® Rewards Credit Card
Zions Bank Vivid® Rewards Credit Card
Credit Score
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 months, 16.00% - 28.00% (V) APR after that
Balance Transfer
0% intro APR for 12 months, 16.00% - 28.00% (V) APR after that
Balance Transfer Fee
Rewards
Get double rewards points for the first 12 months, up to 30,000 points.
Earn 3 points per $1 spent on restaurants, fast food and meal delivery services; entertainment, like concerts, sports, amusement parks and theaters, transportation, including gas, public transit and rideshares; digital services, such as streaming, cable, internet and wireless.
Earn 1 point per $1 spent on all other card purchases.
You must have a minimum of 2,500 points earned in order to redeem as a $25 statement credit.
Zions Bank Vivid® Rewards Credit Card's Additional Info
0% APR for 12 months on balance transfers made within the first 60 days of account opening.
Extended Warranty & Cell Phone Protection.
Mobile Fraud Alert Service, Card Alerts & Zero Liability.
Auto Rental Collision Damage Waiver, Travel Accident Insurance & Lost Luggage Reimbursement.
| cash advance fee | 4% (min $10) |
| cash advance APR | 25.00% - 29.00% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes, chip-and-PIN |
| max late fee | $35 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Zions Bank Vivid® Rewards Credit Card Pros & Cons
No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
High rewards rate
Spending caps on rewards
No initial rewards bonus
Balance transfer fee
Requires good/excellent credit
Compare The Zions Bank Vivid® Rewards Credit Card vs. Popular Alternatives
annual fee$0 | annual fee$95 | annual fee$95 |
Purchase Intro APR0% for 6 months | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro apr0% for 12 months|Transfer Fee: 3% (min $5) | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR16.00% - 28.00% (V) | Regular APR19.74%, 25.74%, or 28.74% Variable | Regular APR19.74% - 27.99% (V) |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
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Offer last updated: Nov 14th, 2025 at 16:15 ET
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