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Consumer Credit Card Agreement and Disclosure Statement
* Credit Cards are subject to credit approval. Certain terms, conditions and restrictions
apply. These are variable rate products. The APR is based on the Prime Rate as stated in
the Wall Street Journal plus a margin and is based on credit worthiness and card type.
The interest rate payable on the card will change effective with changes in the Index.
Prime rate is currently 3.25% as of 1/1/2015. See your Vectra Consumer Credit Card
Agreement and Disclosures for more details. All offers subject to change at any time.
1. AmaZing Cash Back®– Customers earn 1% for every dollar spent on net purchases
only. Cash back is not earned on 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, betting and lottery tickets. Participation in Cash Back program
requires an open and active deposit account with Vectra Bank, in good standing in
the same name as the credit card holder. Earned cash back will be credited in increments
of $50.
2. AmaZing Rewards® – Customers earn one rewards point for every dollar spent on net purchases only.
Rewards points are not earned on 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, betting and lottery
tickets.
3. 25% Annual Cash Back Bonus – Offer available on Amazing Cash Back card only.
Cardholder may earn up to 25% bonus on $25,000 annual card spend on net purchases.
Bonus is based on your total annual card spend, total cash back earned, and annual spending tier.
Annual Spending Tiers: < $5,000 = 0%, $5,000 – $9,999 = 5%, $10,000- $14,999= 10%,
$15,000 – $19,999 = 15%, $20,000 – 24,999=20%, $25,000+=25%. Sample annual reward is:
Annual spend of $12,500 earns 1% cash back or $125. Tier 3 Annual Bonus is 10% of
total cash back earned for the year, or an additional $12.50 ($125 x 10%). Annual
Bonus will be awarded within 6 weeks of calendar year end to your deposit account.
Cash back not earned on cash advances, balance transfers, fees, quasi–cash such as
travelers checks and money orders, accumulated interest, returned merchandise, ATM
transactions, unauthorized charges, fraud charges, foreign cash transactions, casino
gaming and betting, lottery tickets. This offer only available to new consumer credit
card accounts.
4. 25% Annual Rewards Bonus – Offer available on Amazing Rewards card only. Cardholder may earn up to
25% bonus on $25,000 annual card spend on net purchases. Bonus is based on your total annual card
spend, total rewards points earned, and annual spending tier. Annual Spending Tiers: < $5,000 = 0%,
$5,000 –$9,999 = 5%, $10,000 – $14,999= 10%, $15,000 – $19,999 = 15%, $20,000 –24,999=20%, $25,000+=25%.
Sample annual reward is: Annual spend of $12,500 earns 1 point for every dollar spent or 12,500 points.
Tier 3 Annual Bonus is 10% of total points for the year or an additional 1,250 points (12,500 x 10%).
The annual bonus will be credited to your rewards points balance within 6 weeks of the calendar year end.
Rewards points not earned on cash advances, balance transfers, fees, quasi–cash such as travelers checks
and money orders, accumulated interest, returned merchandise, ATM transactions, unauthorized charges,
fraud charges, foreign cash transactions, casino gaming and betting, lottery tickets. This offer only
available to new consumer credit card accounts.
5. 0% Intro APR on new purchases for 6 months – 0.00% Introductory APR for 6 months, after that, the
variable APR will range from 9.24-18.24% based on credit worthiness and card type. The APR is based on the
Prime Rate as stated in the Wall Street Journal. The interest rate payable on the card will change effective
with changes in the Index. Prime rate is currently 3.25% as of 1/1/2015. Introductory 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 are still required each month. This offer is only available to new consumer credit
cards and not available with all card types.
6. 0% Intro APR Balance Transfers for 12 months - 0.00% Introductory APR Balance Transfer for the first 12
months, 9.24% – 18.24% variable APR after that. The APR is based on the Prime Rate as stated in the Wall Street
Journal. The interest rate payable on the card will change effective with changes in the Index. Prime rate is
currently 3.25% as of 1/1/2015. 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) will apply. Transfers made during the
introductory period will not be charged any interest. Minimum balance payments are still required each month. This
offer is only available to new consumer credit cards and not available with all card types.
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