Zions Bank · Visa · Personal
Zions Bank Vivid Rewards
A no-annual-fee card earning Zions Bank Rewards: 3× on 11 categories, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- 30,000 ≈ $300 in travel (our estimate)*
- Top rate
- 3×11 categories
- Point value
- 1¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 30,000 points | $300 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $300 | $0 |
Bonus terms: Earn up to 30,000 bonus points: new cardholders earn double rewards points for the first 12 months after account opening, up to 30,000 bonus points.
Earning structure
12 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Cell Phone Carriers NotesTelecom services, including wireless (MCC 4814). Telecom equipment (MCC 4812) also earns 3x. | 3× | $3.00 | |
Dining NotesEating places, fast food, caterers, and bars (MCCs 5811-5814). Delivery earns 3x only if coded as dining. | 3× | $3.00 | |
Gas Stations NotesAutomated fuel dispensers only (MCC 5542). Pay-inside service stations (5541) and EV charging are not listed. | 3× | $3.00 | |
Internet and Cable NotesCable and other pay television (MCC 4899). Internet earns 3x only if coded as cable or telecom. | 3× | $3.00 | |
Movie Theaters NotesMotion picture theaters (MCC 7832). Motion-picture distributors (7829) and video rental (7841) also earn 3x. | 3× | $3.00 | |
Ridesharing NotesTaxicabs and limousines (MCC 4121). Rideshare earns 3x only when coded as taxi or limo. | 3× | $3.00 | |
Select Live Entertainment NotesDance halls, theatrical producers, and bands or orchestras (MCCs 7911, 7922, 7929). | 3× | $3.00 | |
Special NotesDigital games, applications, and large digital goods (MCCs 5816-5818). Not electronics stores. Liquor stores (MCC 5921) earn 3x. Grocery stores are not an enhanced category. | 3× | $3.00 | |
Sports & Recreation NotesAmusement parks, sports clubs, aquariums, and recreation services (MCCs 7996-7999). | 3× | $3.00 | |
Streaming Services NotesDigital media (MCC 5815), the usual streaming code. Apps and games are separate digital MCCs. | 3× | $3.00 | |
Transit NotesRail, commuter transit, buses, and tolls (MCCs 4011, 4111, 4112, 4131, 4784, 4789). Parking is not a listed MCC. | 3× | $3.00 | |
All Other NotesOne point per dollar on qualified purchases not in an enhanced merchant category. No earning cap. | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa
- Bank
- Zions Bank
- Point system
- Zions Bank Rewards
- Travel value (our estimate)*
- 1¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Benefits9 · 0 high value
- Car Rental Insurance Auto Rental Collision Damage Waiver
- Cell Phone Protections Cell Phone Protection
- Instant Perks & Status Visa Signature Concierge + 1 more instant perks & status benefit
- Travel Protections Extended Warranty Protection + 4 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Zions Bank Vivid Rewards |  Zions Bank Elite |  Zions Bank Premier |  Amtrak Guest Rewards | |
|---|---|---|---|---|
| Annual fee | $0 | $195+$195 | $95+$95 | $0Same |
| Signup bonus | 30,000 pts | $300 | $150 | 20,000 pts |
| Top rate | 3×11 categories | 3×6 categories | 2.5×5 categories | 2×Special, Dining |
| Travel value * | –Zions Bank Rewards | –Zions Bank Rewards | –Zions Bank Rewards | 2.56¢Amtrak Guest Rewards |
| Why it’s here | This card | Same issuer and the same Zions Bank Rewards points | Same issuer and the same Zions Bank Rewards points | Also no annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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