Vectra Bank Colorado

Business Credit Card Overview

Business Credit Card Overview

Amazing business credit cards from the bank you know and trust.

Business Credit Card* Overview

We know you have many credit cards to choose from. That’s why we wanted to make sure our Business AmaZing credit cards delivered everything you expect from a premium card, along with a few things you may have never thought possible.

Find the card that’s right for you!

AmaZing Cash®
for Business


AmaZing Cash for Business

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AmaZing Rewards®
for Business


AmaZing Rewards for Business

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AmaZing Rate®
for Business


AmaZing Rate for Business

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13.90% variable APR 13.90% variable APR 10.25% variable APR
0% Intro APR on purchases for 6 months1, 13.90% % variable APR thereafter 0% Intro APR on purchases for 6 months1, 13.90% variable APR thereafter 0% Intro APR on purchases for 6 months1, 10.25% variable APR thereafter
    0% Intro APR on balance transfers for 12 months, 10.25% variable APR thereafter. 3% fee $10 min2
No Annual Fee No Annual Fee No Annual Fee
2% Cash Back is earned on select business purchases which include office supplies, wireless telephone services, computer network services, insurance products, and telecommunications services and equipment3 Earn 1 point for every $1 spent4 --
Earn 1% cash back on all purchases5 Annual Rewards Bonus6 Great Low Rate
Eligibility for automatic business discounts
through Visa SavingsEdge®.
Eligibility for automatic business discounts
through Visa SavingsEdge®.
Eligibility for automatic business discounts
through Visa SavingsEdge®.
Customized Reports Customized Reports Customized Reports
Combined Billing Combined Billing Combined Billing
Automatic Payments Automatic Payments Automatic Payments

You can also supercharge your card with these extras!

**Important Details**
Business Credit Card Agreement and Disclosure Statement

* Credit Cards: Credit cards subject to credit approval. Certain terms, conditions, and restrictions apply. See Vectra Bank Business Credit Card Agreement and Disclosure Statement for more details. All offers subject to change at any time.

1. Introductory APR: 0.00% Introductory APR on new purchases for first six (6) months from account opening, after that, 13.90% variable APR for the AmaZing Cash and AmaZing Rewards for Business cards, 10.25% variable APR for the AmaZing Rate for Business card. The APR is based on the Prime Rate as stated in the Wall Street Journal (currently 3.25% as of ) plus a margin.

2. Balance Transfers: 0.00% Introductory APR on Balance Transfers for the first 6 months, after that, 10.24% variable APR for the AmaZing Rate for Business card.

3. Bonus Offer: 2% Cash Back is earned on select business purchases which include office supplies, wireless telephone services, computer network services, insurance products, and telecommunications services and equipment. If earnings in these categories exceed 20% of total purchases for the year, cardholder will earn 1% cash back. Cash back is not earned on cash advances, balance transfers, fees, quasi-cash such as traveler’s checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. Must have at least $25 earned cash back in order to redeem. Participation in AmaZing Cash for Business program requires an open and active Vectra Bank business deposit account in good standing and in the same name as the credit cardholder. See the AmaZing Cash Back for Business Program Terms and Conditions for full details.

4. Reward Points: Earn one reward point for every dollar spent on net purchases only. Rewards points are not earned on cash advances, balance transfers, fees, quasi-cash such as traveler’s checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. Offer available on AmaZing Rewards for Business credit cards only.

5. Cash Back: Customers earn 1% for every dollar spent on net purchases only. Cash back is not earned on cash advances, balance transfers, fees, quasi-cash such as traveler’s checks and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges, fraud charges, foreign cash transactions, casino gaming and betting, and lottery tickets. Participation in AmaZing Cash for Business program requires an open and active Vectra Bank business deposit account in good standing and in the same name as the credit cardholder. Deposit will be credited in increments of $100.

6. Annual Rewards Bonus: Offer available on Amazing Rewards for Business card. A cardholder may earn an annual reward bonus ranging from 0% up to 25% of the total rewards points they have earned on non–promotional offers within the calendar year. This annual bonus is not 0–25% of annual spend on the card; but rather it is 0–25% of the total rewards points that the cardholder has earned throughout the year. This annual bonus is in addition to the 1% rewards points that a cardholder earns on every purchase. The percentage amount of the annual bonus is determined by which tier the cardholder’s annual net spend falls into. Annual Spending Tiers: Tier 1: $0 – $49,999 = 0%, Tier 2: $50,000 – $99,999 = 5%, Tier 3: $100,000 – $149,999 = 10%, Tier 4: $150,000 – $199,999 = 15%, Tier 5: $200,000 – $249,999 = 20%, Tier 6: $250,000+ = 25%. For example, with an annual spend of $120,500 you would earn 120,500 points (1% rewards) plus an annual bonus of 12,050 points (10% under Tier 3). The annual bonus will be added to your rewards points balance within 6 weeks of the calendar year end. Transactional items such as cash advances, balance transfers, returned merchandise, etc. are not eligible. The following graphic offers examples of how the annual bonus program works:

If you Spend 1 Point for Every $ Depending on the Annual Bonus Spending Tiers You may earn an additional Annual Bonus Total Earnings*
$45,000 45,000 ≤ $49,999 = 0% 0 45,000
$70,500 70,500 $50,000 – $99,999 = 5% 3,525 74,025
$120,500 120,500 $100,000 – $149,999 = 10% 12,050 132,550
$170,500 170,500 $150,000 – $199,999 = 15% 25,575 196,075
$220,500 220,500 $200,000 – $249,999 = 20% 44,100 264,600
$400,000 400,000 $250,000 or more = 25% 100,000 500,000