Vectra Bank Colorado

FEATURES AND BENEFITS

  • No annual fee
  • AmaZing Rewards® 1
  • Earn unlimited rewards points2
    – earn 1 point for every dollar spent
    – annual bonus3
    – no earnings cap
  • 0% Intro APR on purchases for 6 months, 11.99–18.99% variable APR thereafter4
  • 0% Intro APR on balance transfers from other issuers for 12 months, 11.99–18.99% variable APR thereafter5
  • Free Mobile Card Fraud Alerts6
  • Free Purchase Alerts7
  • Customizable myPHOTOcard® 8
  • Visa Concierge Service
  • Visa Roadside Dispatch

*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 11.99 – 18.99%
Annual Fee $0
BT APR after intro period 5 11.99% – 18.99%
BT Fee 3%, $10 min no max
Cash Advance APR 10 20.99%
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. 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. Customers earn one rewards point for every dollar spent on eligible 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 qualified purchase within 90 days of purchase date and you must have at least 2,500 points to redeem.

3. Annual Rewards Bonus: Offer available on Amazing Rewards cards only. A cardholder may earn an annual reward bonus ranging from 0% up to 25% of the total rewards points/cash back they have earned on non–promotional offers within 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 – $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, If an AmaZing Rewards cardholder spends $25,000 in one calendar year, cardholder will earn 1 point on every dollar spent (25,000 points) plus an additional 25% more points (25,000 x .25 = 6,250), making total points earned 31,250 (25,000 + 6,250) 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. The following graphic offers examples of how the annual bonus program works:

Tier If you Spend 1 Point for Every $ Depending on the Annual Bonus Spending Tiers You may earn an additional Annual Bonus Total Earnings*
1 $4,500 4,500 $0 – $4,999 = 0% 0 4,500
2 $7,500 7,500 $5,000 – $9,999 = 5% 375 7,875
3 $12,500 12,500 $10,000 – $14,999 = 10% 1,250 13,750
4 $17,500 17,500 $15,000 – $19,999 = 15% 2,625 20,125
5 $22,500 22,500 $20,000 – $24,999 = 20% 4,500 27,000
6 $40,000 40,000 $25,000 or more = 25% 10,000 50,000



4. Intro APR: 0.00% Intro APR for the first 6 months on purchases, on purchases, thereafter, the variable APR will range from 11.99% to 18.99% 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 11.99% to 18.99% 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. Bonus Reward Points: Earn 20,000 bonus points ($200 equivalent value) when you spend $1,000 in the first 90 days of account opening. One bonus payment is allowed per customer. Transactional items such as cash advances, balance transfers; returned merchandise, etc. do not qualify toward $1,000 spend amount. Minimum 2,500 earned points to redeem and redemption must occur within 90 days of purchase date. Bonus points will be added to your rewards points balance within 4 to 6 weeks from the end of the 90-day promotion. Account must be in good standing. Offer applies to AmaZing Rewards Points® Credit Cards opened on or after 1/1/2016. Offer expires 6/30/2017. See AmaZing Rewards Program Terms and Conditions for full details.

10. variable APR for Cash Advances: The variable APR for Cash Advances is 20.99%. The APR is based on the Prime Rate as stated in the Wall Street Journal plus a margin. Prime Rate is currently 4.00% 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.