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 Up to 25% Annual Bonus on rewards points6 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. 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.

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 cards only. A cardholder may earn an annual reward ranging from 0% up to 25% of the total rewards they have earned in the calendar year. This bonus is not 0-25% of annual spend on the card; but rather it is 0-25% of the total rewards the cardholder has earned throughout the year. This annual bonus is in addition to the 1% reward points that a cardholder earns on every purchase. The percentage amount of the annual bonus is determined by which tier the cardholders annual 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, if an AmaZing Rewards for Business cardholder spends $250,000 in one calendar year, cardholder will earn 1 point for every dollar spent (250,000 points) plus an additional 25% more points (250,000 x .25 = 62,500), making total points earned 312,500 (250,000 + 62,500) or 1.25% total annual points. Points will be added to your monthly rewards balance within 6 weeks. Transactional items such as cash advances, balance transfers, returned merchandise, etc. are not eligible. Offer available on AmaZing Rewards for Business credit cards only. The following graphic offers examples of how the annual bonus program works:

If you spend You get 1 Point for every dollar Depending on the Annual Bonus Spending Tiers You may get an additional Annual Rewards Points Bonus Earnings on your Rewards Points plus Annual Bonus
$45,000 4,500 ≤$49,99 = 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