Vectra Bank Colorado

FEATURES AND BENEFITS

  • No annual fee
  • AmaZing Rewards® 1
  • Earn 1 point for every dollar spent 2
  • Annual bonus 3
  • 0% Intro APR on new purchases for 6 months,14.40% variable APR thereafter 4

ADDITIONAL BENEFITS

  • Visa Zero Liability7 on unauthorized purchases made online, over the telephone or at a store
  • Purchase security and extended protection
  • Available Mobile Card Fraud Alerts9
  • Emergency card replacement and cash disbursement
  • Cardholder Inquiry Services
  • Lost or stolen card reporting
  • Auto rental collision damage waiver
  • Travel and Emergency Assistance waiver

Apply Now

Complete the form below and we’ll contact you about this offer.


SUPERCHARGE YOUR CARD WITH THESE EXTRAS

Purchase Alerts8
For peace of mind and to help protect against fraud, add Purchase Alerts to any credit or debit card for free and receive near real-time alerts (via text or email) based on your customized settings. Alert triggers include dollar amount thresholds, card-not-present transactions, international transactions and declined transactions.

myPHOTOcard®10
Personalize your credit card with your company logo easily online. A great way to promote your business, it’s simple, fun and unique to your company. Go to vectrabank. com/myphotocard to learn more!

Mobile Card Fraud Alerts9
Use your Vectra Bank Credit Card with confi dence. Receive a text message any time we see potentially fraudulent charges on your account by enrolling your card with free Mobile Card Fraud Alerts. Click here to learn more!

See even more credit card extras here.

Pricing
APR after intro period 4 14.40%
Annual Fee $0
BT APR 5 14.15%
BT Fee 3%, $10 min, no max
Cash Advance APR 6 23.74%
Default APR N/A
Late Payment Fee Up to $39
Return Payment Fee Up to $29
International Transaction Fee 3%

Apply Now

Please call 1–866–749–7470 or visit a Vectra Bank branch location today to apply!

Need assistance choosing the right credit card for your business? Try using our Credit Card Wizard!



**Important Details**
*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. Vectra AmaZing Deals App: 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.

2. Reward Points: Offer available on AmaZing Rewards for Business credit cards only. Customers earn one rewards point for every dollar spent oneligible net purchases only. Rewards points are not earned on transactional items such as cash advances, balance transfers; returned merchandise, etc. are not eligible. Rewards points earnings may be redeemed against any qualifi ed purchase within 90 days of purchase date and you must have at least 2,500 points to redeem.

3. Annual 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



4. Intro APR: 0.00% Intro APR for the first 6 months on purchases, 14.40% variable APR thereafter. This 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. 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 6 months from the date the balance posts to the account, variable 14.65% thereafter. This 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.

6. Cash Advance: The variable APR for Cash Advances is 23.74%. The APR is based on the Prime Rate as stated in the Wall Street Journal plus a margin based on credit worthiness. Prime Rate is currently 3.75% as of . A 3% cash advance fee for each advance ($10 minimum) will apply.

7. Visa Zero Liability: Cardholder is not responsible for fraudulent charges made with their card or account information as long as they promptly notify Vectra Bank Colorado of unauthorized card use. Does not apply to business ATM or PIN transactions. Disputed transactions must post to the account before provisional credit will be issued. For specifi c conditions, limitations, and other details, please call the number on the back of your card.

8. Purchase Alerts: Must be enrolled in online banking to enroll in Purchase Alerts. Certain transaction notifi cations are sent to your email account and/or to your mobile device by SMS text. Message and data rates from your wireless provider may apply.

9. Mobile Card Fraud Alerts: Mobile and text message provider service fees may apply. Actual time to receive alert is dependent on wireless service and coverage within area.

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

11. Bonus Offer: Applies to new AmaZing Rewards® for Business Credit Cards opened, subject to credit approval, on or after January 1, 2016 only. Earn 25,000 rewards points when you spend $2,500 in the fi rst 90 days of account opening. One bonus payment is allowed per business, not per account or per card. 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 ticket transactions do not qualify toward $2,500 spend amount. Bonus points will be added to your rewards points balance within 4 to 6 weeks from the end of the 90–day promotion. Certain terms, conditions, and restrictions apply. See the Vectra Bank Business Credit Card Agreement and Disclosures for more details about the cards and rewards programs. Offer expires June 30, 2017.