Vectra Bank Colorado

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!


You can also supercharge your card with these extras!

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**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% Intro APR for the first 6 months on purchases, 14.15% variable APR thereafter for AmaZing Cash and AmaZing Rewards for Business Cards, variable 10.50% APR for AmaZing Rate for Business Card. These APRs are accurate as of and actual APR may vary with the market based on the Prime Rate as published in The Wall Street Journal. Intro APR does not apply to cash advances. Purchases made during the first 6 months of account opening will not be charged any interest. Minimum balance payments may still be required each month. Offer available for new credit cards only. All offers are subject to change at any time.

2. Intro Balance Transfer APR: 0.00% Intro APR on balance transfers for the first 6 months from the date the balance posts to the account, variable 10.50% APR thereafter for AmaZing Rate for Business Card. The APR is accurate as of and actual APR may vary with the market based on the Prime Rate as published in The Wall Street Journal. For new accounts, balance transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer ($10 minimum) applies. Transfers made during the Intro period will not be charged any interest. Minimum balance payments may still be required each month. Offer available for new credit cards only. All offers are subject to change at any time.

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