Points · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
Vectra Bank Colorado Vivid Rewards is a no-annual-fee points card from Vectra Bank Colorado. Its best everyday rates are 3x on dining, 3x on entertainment, and 3x on gas stations; everything else earns 1x.
On our reference budget of $24,600 a year it returns about $450, an effective 1.8% back.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down.
No welcome bonus is stored for this catalog entry yet.
Car Rental Collision Damage Waiver may protect you if your rental car is damaged from an accident or theft.
Cell Phone Protection may provide reimbursement for your stolen or damaged cell phone when you pay your wireless phone bill with your card.
When you use your covered Card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection up to $3,000 per trip ($2,000 maximum if resident of New York). This coverage applies to travel by air, ferry, cruise ship, train, or bus.
When you purchase an airline ticket with your Card, you can receive $500,000 of accidental death and dismemberment coverage. But this coverage doesn’t just apply to air travel, it can also be in place when you’ve used your covered Agility Cash Card to purchase a ticket for other means of travel like a ferry, cruise ship, train, or bus.
The Visa Signature Luxury Hotel Collection gives you access to a premium collection of benefits from over 900 of the world’s finest hotels, including brands like The Peninsula Hotels, Park Hyatt and Shangri-La. Enjoy an unparalleled experience with special amenities, discounts, room upgrades upon arrival and 3 p.m. checkout (when available)—plus, a $25 food or beverage credit and more.
These come from Visa, not from Vectra Bank Colorado. Every card on the Visa Traditional tier carries them, so they should not decide between two cards.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Vectra Bank Colorado Vivid RewardsThis card · 3x on dining | None | $450 | +$450 | 434th of 1,291 |
| Vectra Bank Colorado Agility CashVectra Bank Colorado's most-held other card · 1.5% on everything | None | $369 | +$369 | 506th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
