a woman using a vibrant credit card

Earn cash on every purchase

The Vibrant Credit Rewards Mastercard pays you 3% cash back for the first six months.

Which credit card is right for you?

Vibrant Mastercard®

Advantages

Pay less interest when you need to carry a balance
No annual fee
No cash advance fees
No balance transfer fees

Advantages

Pay less interest when you need to carry a balance
No annual fee
No cash advance fees
No balance transfer fees

Vibrant Rewards Mastercard®

Advantages

No annual fee for the first year ($50 a year after that)
Earn 3% cash back on every purchase for first six months
Earn 1.5% cash back on all future purchases
No cash advance fees, no balance transfer fees

Advantages

No annual fee for the first year ($50 a year after that)
Earn 3% cash back on every purchase for first six months
Earn 1.5% cash back on all future purchases
No cash advance fees, no balance transfer fees

What to expect

Set aside 5-10 minutes to complete your online application.

We’ll review your application and your credit report to determine the interest rate you qualify for and your credit limit.

We’ll contact you to let you know if your application has been approved.

Once approved, expect your new card in the mail within 7–10 days.

Start the application process

Start the process by completing the form below. Once you submit your answers, you'll be redirected to the full online application.

Vibrant Credit Rewards Mastercard: 3% cashback on purchases for six-month introductory period. 1.5% cashback after that. No annual fee for the first year. $50.00 after that. 18.00% - 23.99% APR when you open your account, based on creditworthiness. Vibrant Credit Mastercard: 9.90% - 18.00% APR when you open your account, based on creditworthiness.