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*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. The 2% cash back bonus 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 their total, 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. Participation in AmaZing Cash® for Business program requires an open and active Vectra business
deposit account in good standing and in the same name as the credit cardholder. Deposit will be credited
in increments of $100.
2. 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 business deposit account in good standing and in the same name
as the credit cardholder. Deposit will be credited in increments of $100.
3. 0.00% Introductory APR on new purchases for first six months, after that, 10.25% variable APR for the
AmaZing Rate® for Business card, 13.90% variable APR for the AmaZing Cash® for Business card and AmaZing
Rewards® for Business card. The APR is based on the Prime Rate as stated in the Wall Street Journal plus
a margin. The interest rate payable on the card will change effective with changes in the Index. Prime
Rate is currently 3.25% as of 10/10/2012. Introductory APR does not apply to cash advances and may not
apply to balance transfers depending on card type. Purchases made during the first six months of account
opening will not be charged any interest. Minimum balance payments are still required each month. This offer
only available to new AmaZing Business credit cards.
4. Offer available on AmaZing Rewards® for Business credit cards only. Customers earn one rewards 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.
5. Offer available on AmaZing Rewards® for Business credit cards only. Cardholder may earn up to 25% bonus
on $250,000+ annual card spend on net purchases. Bonus is based on your total annual card spend, total
annual rewards points earned, and annual spending tier. 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%. Sample annual reward is: Annual
spend of $120,500 earns 1 point for every dollar spent or 120,500 points. Tier 3 Annual Bonus is 10% of
total points for the year or an additional 12,050 points (120,500 x 10%). The annual bonus will be
credited to your rewards points balance within six weeks of the calendar year–end. 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.
6. 0.00% Introductory APR on Balance Transfers for the first six months, 10.25% variable APR after that.
The APR is based on the Prime Rate as stated in the Wall Street Journal plus a margin. The interest rate payable
on the card will change effective with changes in the Index. Prime Rate is currently 3.25% as of 10/10/12 This
balance transfer introductory offer is only available on new AmaZing Rate for Business card accounts. Balance
transfer requests must be received within 60 days of account opening. A 3% balance transfer fee for each transfer
($10 minimum) will apply. Transfers made during the introductory period will not be charged any interest. Minimum
balance payments are still required each month.
7. Message and data charges from your wireless provider may apply. Must be enrolled in Online Banking.
8. There is no charge for the first uploaded myPHOTOcard image and a $5.00 fee for any image thereafter.
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