USES

Vivid Rewards Visa® from Zions Bank Review

Vivid Rewards Visa® from Zions Bank — all information about the credit card.

Updated December 07, 2023
Advertiser Disclosure Our Methodology
Zions Bank Vivid Rewards Visa®
Apply now
Our Rating:
4.9 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3x Points per $1 spent on dining, entertainment, transit, and digital services.
    • 1x Point per $1 spent on all other eligible purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Intro APR for 6 months from date of Card Account opening
  • Regular APR:
    17.50% - 29.50% Variable
  • Balance Transfer APR:
    17.50% - 29.50% Variable
Show more

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Zions Bank Vivid Rewards Visa® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
3X
Dining
$
3X
Entertainment
$
3X
Gas
$
3X
Transit
$
3X
Digital services
$
1X
All other eligible purchases
$
How would you like to redeem points?
Calculate
Show less details

All benefits

  • Points
    • 3x On dining, entertainment, transit, and digital services.
    • 1x On all other eligible purchases.
  • Travel
    • Car rental collision damage waiver:
    • Car rental collision damage waiver may protect you if your rental car is damaged from an accident or theft.
    • Travel Accident Insurance:
    • Travel accident insurance protects you abroad from the financial consequences that can arise from accidents.

Rate and fee information

  • Purchase Intro APR
    • 0% Intro APR for 6 months from date of Card Account opening
  • Purchase APR
    • 17.50% - 29.50% Variable
  • Intro Balance Transfer APR
    • 0% Intro APR for 12 months from date of Card Account opening
  • Balance Transfers APR
    • 17.50% - 29.50% Variable
  • APR for Cash Advances
    • 26.50% - 30.50% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on purchases and balance transfers if you pay your entire balance due by the due date each month. You will be charged interest on cash advances on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • 3% of the amount of each transaction, but not less than $10
  • Fees for Cash Advances
    • 4% of the amount of each transaction, but not less than $10
  • Penalty Fees
    • None
  • Return Payment
    • Up to $30
  • Late Payment
    • Up to $35
View all Rates & Fees

Pros & Cons

Pros:
  • No Annual Fee
  • Intro APR period
  • No Foreign Transaction Fee
Cons:
  • No welcome bonus
  • Extra Fees

Features

Classic
Visa
Contactless
  • 0% Intro APR
  • No Annual Fee
  • No foreign transaction fees
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Bonus points
  • Purchase Protection
  • Extended Warranty Protection
  • Lost Luggage Reimbursement
  • Auto Rental Insurance
  • Good Credit
  • Excellent Credit

About the issuer

Zions Bank
Zions Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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Recommended credit score
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  • None
    Purchase Intro APR
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    Regular APR
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    Purchase Intro APR
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    Annual Fee
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    Regular APR
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    Earn 1% cash back rewards on payments made to your First Access Credit Card.
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See Another Credit Cards in the Bank

Zions Bank Vivid Rewards Visa® is an option for those, who need Classic features. With an APR of 17.50% - 29.50% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With Zions Bank Vivid Rewards Visa® you will get such features as 0% Intro APR, No Annual Fee, No foreign transaction fees, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

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