Vectra Bank Colorado


  • No annual fee
  • You can earn 3X, 2X or 1X AmaZing Rewards® Points for Business 2
  • 0% Intro APR on new purchases for 6 months,14.65% variable APR thereafter 3


  • Visa Zero Liability6 on unauthorized purchases made online, over the telephone or at a store
  • Purchase security and extended protection
  • Available Mobile Card Fraud Alerts8
  • 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.


Purchase Alerts7
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.

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 Alerts8
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.

APR after intro period 3 14.65%
Annual Fee $0
Balance Transfer APR 4 14.65%
Balance Transfer Fee 3%, $10 min, no max
Cash Advance APR 5 23.99%
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 for program terms and conditions. The Vectra AmaZing deals app is currently only available for merchants in Colorado.

2. AmaZing Rewards® Points for Business : Offer available on AmaZing Rewards® for Business credit cards only. Cardholder will earn rewards points on all net purchases. Three rewards points are earned on office supplies, wireless telephone services, computer network services, insurance products, and telecommunications services and equipment. Two rewards points are earned on airlines and car rentals when the purchase is made directly with the airline or car rental company. One rewards point is earned on all other. Three rewards points and two rewards points apply to the first $150,000 in combined purchases per calendar year, then one rewards point applies thereafter. Rewards points are not earned on transactional items such as cash advances, balance transfers, returned merchandise, etc. Purchases must be redeemed within 90 days of purchase date and you must have at least 2,500 points to redeem. Account must be in good standing. See AmaZing Rewards Program Terms and Conditions for full details.

3. Intro APR: 0.00% Intro APR for the first 6 months on purchases, 14.65% 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.

4. 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.

5. Cash Advance: The variable APR for Cash Advances is 23.99%. 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 4.00% as of . A 3% cash advance fee for each advance ($10 minimum) will apply.

6. 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.

7. 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.

8. 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.

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

10. 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.