Vectra Bank Colorado

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AmaZing Cash Credit Card. Earn 3% Cash Back for every dollar spent on net purchases during the first 90 days.
AmaZing Cash Credit Card. Earn 3% Cash Back for every dollar spent on net purchases during the first 90 days.
AmaZing Cash Credit Card. Earn 3% Cash Back for every dollar spent on net purchases during the first 90 days.

FEATURES AND BENEFITS

  • Earn 3% Cash Back for every dollar spent on net purchases during the first 90 days.1
  • No annual fee
  • Earn unlimited cash back2
    – earn 1% cash back for every dollar spent
    – annual bonus3
    – no earnings cap
  • 0% Intro APR on purchases for 6 months, 13.24–20.24% variable APR thereafter4
  • 0% Intro APR on balance transfers from other issuers for 12 months, 13.24–20.24% variable APR thereafter5
  • Free Mobile Card Fraud Alerts6
  • Free Purchase Alerts7
  • Customizable myPHOTOcard® 8
  • Visa Concierge Service
  • Visa Roadside Dispatch
  • “Show–your–phone” mobile couponing application – Vectra AmaZing Deals®9

*Cardholders may be eligible for the Visa Signature® Label status with perks including:

  • Visa Signature Concierge
  • Visa Signature Luxury Hotel
  • Visa Signature Dining
  • Visa Signature Access
  • Visa Signature Shopping and Security

See your banker or visasignature.com for more details.


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Pricing
APR after intro period 4 13.24 – 20.24%
Annual Fee $0
BT APR after intro period 5 13.24% – 20.24%
BT Fee 3%, $10 min no max
Cash Advance APR 10 22.24%
Default APR N/A
Late Payment Fee Up to $25
Return Payment Fee Up to $25
International Transaction Fee 3%
Grace Period 25 days
Additional Benefits*
Travel Accident Insurance Up to $1 Million
Visa Zero Liability11 yes
Purchase Alerts7 yes
Emergency Cash Disbursement yes
Year End Summary Statement yes
Lost or Stolen Card Reporting yes
Warranty Manager Service yes

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**Important Details**
*Credit Cards are subject to credit approval. All offers subject to change at any time. Certain terms, conditions, and restrictions apply. See your Vectra Consumer Credit Card Agreement and Disclosures for more details.

1. AmaZing Cash® Back 3% Cash Back Offer: Earn 1% Cash Back for every dollar spent on net purchases. Earn 3% Cash Back for every dollar spent on net purchases during the first 90 days of account opening. Cash Back is not earned on transactional items such as cash advances, balance transfers, returned merhcandise, etc. Must have at least $25 earned Cash Back in order to redeem. Account must be in good standing. See the AmaZing Cash Back Program Terms and Conditions for full details.

2. AmaZing Cash® Back: Cardholder earns 1% cash back for every dollar spent on eligible net purchases only. Transactional items such as cash advances, balance transfers; returned merchandise, etc. are not eligible. Must have at least $25 earned cash back in order to redeem. Account must be in good standing. See the AmaZing Cash Back Program Terms and Conditions for full details.

3. Annual Rewards Bonus: Offer available on Amazing Cash card. A cardholder may earn an annual cash bonus ranging from 0% up to 25% of the total cash back 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 cash back that the cardholder has earned throughout the year. This annual bonus is in addition to the 1% cash back 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 – $4,999 = 0%, Tier 2 – $5,000 – $9,999 = 5%, Tier 3 – $10,000 – $14,999 = 10%, Tier 4 – $15,000 – $19,999 = 15%, Tier 5 – $20,000 – 24,999 = 20%, Tier 6 – $25,000+ = 25%. For example, with an annual spend of $12,500 you would earn $125 (1% cash back) plus an annual bonus of $12.50 (10% under Tier 3). The annual bonus will be credited to your deposit account 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:

Tier If you Spend You earn 1% Cash Back Depending on the Annual Bonus Spending Tiers You may earn an additional Annual Bonus Total Earnings*
1 $4,500 $45.00 $0 – $4,999 = 0% $0.00 $45.00
2 $7,500 $75.00 $5,000 – $9,999 = 5% $3.75 $78.75
3 $12,500 $125.00 $10,000 – $14,999 = 10% $12.50 $137.50
4 $17,500 $175.00 $15,000 – $19,999 = 15% $26.25 $201.25
5 $22,500 $225.00 $20,000 – $24,999 = 20% $45.25 $270.00
6 $40,000 $400.00 $25,000 or more = 25% $100.00 $500.00

4. Intro APR: 0.00% Intro APR for the first 6 months on purchases, on purchases, thereafter, the variable APR will range from 13.24% to 20.24% based on a margin and your credit worthiness. 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.

5. Intro Balance Transfer APR: 0.00% Intro APR on balance transfers for the first 12 months from the date the balance posts to the account. Thereafter, the variable APR will range from 13.24% to 20.24% based on a margin and your creditworthiness. 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. 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.

6. Mobile Card Fraud Alerts: The Bank does not charge for Mobile Card Fraud Alerts. However, standard text message and data charges from your mobile phone carrier may apply. Available services are subject to change without notice.

7. Purchase Alerts & Mobile Card Fraud Alerts: Online Banking enrollment required. Message and data charges from your wireless provider may apply.

8. myPHOTOcard®: There is no charge for the first uploaded myPHOTOcard image and a $5 fee for any image thereafter.

9. The Vectra AmaZing Deals app is free; however, data rates from your wireless provider may apply for download and use of the app. The AmaZing Deals® program requires a Vectra Bank Visa® Debit card (requires a Vectra Bank checking account) or Vectra Bank Visa® credit card (subject to credit approval) when you shop at participating merchants. No enrollment fee to participate in the program and no out–of–pocket cost. Rewards and offers are established by participating merchants; are subject to change at any time; and may vary by location, day, time or event. See vectrabank.com/amazingdeals for program terms and conditions. The Vectra AmaZing deals app is currently only available for merchants in Colorado. See AmaZing Rewards Program Terms and Conditions for full details.

10. Variable APR for Cash Advances: The variable APR for Cash Advances is 22.24%. The APR is based on the Prime Rate as stated in the Wall Street Journal plus a margin. Prime Rate is currently 5.25% as of . A 3% cash advance fee for each advance ($10 minimum) will apply.

11. Zero Liability: Cardholder is not responsible for fraudulent charges made with their card or account information as long as they promptly notify Vectra Bank of unauthorized card use. Disputed transactions must post to account before provisional credit will be issued.