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
- 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
Complete the form below and we’ll contact you about this offer.
SUPERCHARGE YOUR CARD WITH THESE EXTRAS
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 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.
|APR after intro period 4
|BT APR 5
||3%, $10 min, no max
|Cash Advance APR 6
|Late Payment Fee
||Up to $39
|Return Payment Fee
||Up to $29
|International Transaction Fee
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!
*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
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
||≤ $49,999 = 0%
||$50,000 – $99,999 = 5%
||$100,000 – $149,999 = 10%
||$150,000 – $199,999 = 15%
||$200,000 – $249,999 = 20%
||$250,000 or more = 25%
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.