The Vivid Rewards is a personal credit card from Vivid Rewards. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.74% variable APR after a 0% for 6 months introductory rate for 6 months. Signup bonus: $1,000 cash back when you spend $5,000 in the first 120 days. Rewards: 3 points per dollar on common business purchases, 2 points per dollar on select travel purchases, and 1 point per dollar on everything else. Cash back: 3% cash back on common business purchases, 2% cash back on select travel purchases and 1% cash back on everything else. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..