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How large a credit line can you get? Find out!
CREDIT
CARDS
Amazing credit cards from the bank you know and trust.
checking savings loans
Credit Card and Debit Card


AmaZing CashTM

Get cash back with every purchase!

  • 1% cash back on all purchases, no cap1
  • Up to 25% cash back annual bonus3
  • 0% Intro APR on new purchases for 6 months, 11.24-18.24% variable APR after that5
  • 0% Intro APR on balance transfers for 12 months, 11.24-18.24% variable APR after that. 3% fee, $10 min6
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AmaZing Rewards®

Earn points with every purchase!

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AmaZing RateTM

Great low rate if you carry a balance!

  • 0% Intro APR on new purchases for 6 months, 9.24-12.24% variable APR after that5
  • 0% Intro APR on balance transfers for 12 months, 9.24-12.24% variable APR after that. 3% fee, $10 min6
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Visa Debit Card

Money when you need it, wherever you are. that’s the ease and convenience of Vectra Bank’s no annual fee Debit Cards. Looks like a credit card, but works like a check. The Debit Card can be used anywhere Visa cards are accepted and allows you to pay for purchases with funds deducted directly from your checking account. You can also withdraw cash from thousands of ATMs worldwide. You can save time and more easily manage your finances by scheduling the payment of your household bills automatically through your Visa Debit Card.

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Check Application Status

All credit cards subject to credit approval.

Additional Credit Card Benefits


Mobile Card Fraud Alerts

Use your Vectra Bank Debit and Credit Cards with confidence. In addition to zero liability for unauthorized charges, with free1 Mobile Card Fraud Alerts you receive a text message any time we see a potentially fraudulent transaction on your account.

This unique feature quickly recognizes potential fraud to notify and involve you in the resolution process as soon as possible.

Learn More.

Vectra Bank’s Purchase AlertsTM

Vectra Bank’s Purchase Alerts are a great way to monitor your credit and debit card activity for potential fraud or simply to help manage your money. You can receive timely updates on your Vectra bank Visa debit or credit card activity through text messages to your mobile device or by email. You can select specific alerts and specify the settings for the alerts that you want to receive, such as when a transaction exceeds a specific value.

In addition to specific purchase amount alert, other categories include transactions where the card was not physically presented (such as online or phone purchases), international transactions, gasoline purchases, and declined transactions. Most Vectra Bank Visa credit and debit card types for business and consumer are eligible and enrollment is easy and FREE! Just log in to your Online Banking account and look under the Services Tab for the Purchase Alerts enrollment option. If you aren’t already an Online Banking user, click here to enroll.

Learn more in our Purchase Alerts FAQ!

myPHOTOcardTM

Customize your debit or credit card with a personal photo or image. Click here to learn more.

Even More Credit Card Benefits

Vectra Bank cardholders enjoy a series of benefits including Travel Accident Insurance/Trip Coverage, Car Rental Insurance, Online Banking, Worldwide Cash Access, Concierge Service, Roadside Dispatch Service and many more. Click here to learn more.

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 11/16/2012. See your Vectra Consumer Credit Card Agreement and Disclosures for more details. All offers subject to change at any time.

1. AmaZing Cash BackTM– 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 11/16/2012. 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 11/16/2012. 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.

7. Rainbow Rewards is not affiliated with Vectra Bank and is solely responsible for the rewards program. Rebate percentages vary by merchant. See www.rainbowrewards.com for complete terms and conditions.