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
- 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.
Complete the form below and we’ll contact you about this offer.
|APR after intro period 4
||11.99 – 18.99%
|BT APR after intro period 5
||11.99% – 18.99%
||3%, $10 min no max
|Cash Advance APR 10
|Late Payment Fee
||Up to $25
|Return Payment Fee
||Up to $25
|International Transaction Fee
|Travel Accident Insurance
||Up to $1 Million
|Visa Zero Liability11
|Emergency Cash Disbursement
|Year End Summary Statement
|Lost or Stolen Card Reporting
|Warranty Manager Service
*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
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
||If you Spend
||1 Point for Every $
||Depending on the Annual Bonus Spending Tiers
||You may earn an additional Annual Bonus
||$0 – $4,999 = 0%
||$5,000 – $9,999 = 5%
||$10,000 – $14,999 = 10%
||$15,000 – $19,999 = 15%
||$20,000 – $24,999 = 20%
||$25,000 or more = 25%
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
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
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.