Rates and products offered may differ from state to state. To see the rate and offering available to you, please select the state where you bank. (Your privacy is important to us—see our Privacy Notice).
Earn 3 points per dollar spent on:
Plus, earn 1 point per dollar on all other card purchases. To redeem your points, simply apply them toward any purchases made on your card, whether it’s dinner and a show, a vacation or your morning coffee.
Protect your cell phone every time you pay your bill
When you pay your monthly wireless bill with your covered Vectra Bank Colorado card, your cell phone is protected for the next calendar month. So, you can get reimbursed if your cell phone is stolen or damaged ($50 deductible).
Whether you use your Visa® card to shop online or in a store, you're protected from unauthorized use of your card or account information. With Visa's Zero Liability policy, your liability for unauthorized transactions is zero.
Managing your card is easier with Card Alerts. Personalize your alerts by choosing the notifications you’d like to receive via email or SMS text.
Payment Reminders – Set reminders to notify you before your next payment is due. Also, receive alerts to track your automatic reoccurring payments.
Transaction Notifications – Custom setting allow you to select the transaction alerts you’d like to receive.
Spending Alerts – Manage spending with adjustable settings to notify you when spending exceeds your preferred threshold.
Enrolling is Easy (and Free)
Mobile Fraud Alert Service is text messages sent to your smartphone to confirm debit and credit card transactions. When you reply with a simple YES or NO, we will either allow the transaction to go through or block it as fraud.
Fast Reporting – Help resolve conflicts with quick and easy transaction alerts.
Notifications – Receive alerts to provide added security on unusual transactions.
Easy Signup – No app to download, and Online Banking is not required
( 1 ) Credit card accounts are subject to credit approval. Certain terms, conditions, and restrictions apply. See the credit card application and disclosures for more details. Offers are available for new credit card accounts only and subject to change at any time.
( 2 ) Earning reward points at the enhanced rate: For every $1 spent on net purchases, Clarity Rewards cardholders earn 3 reward points at retailers processing transactions with the following Visa merchant category classifications. For eating out and ordering in: Eating Places, Caterers, Drinking Places, Fast Food, Liquor Stores; For Entertainment, like concerts, zoos and theme parks: Motion Pictures and Video, Theaters, Dance Halls, Theatrical Producers, Bands, Orchestras, Misc., Amusement Parks, Sports Membership Clubs, Aquariums, Recreation Services; For getting around: Fuel, Railroads, Commuter Passenger Transportation, Passenger Railways, Ambulance Services, Taxicabs & Limos, Bus Lines, Toll & Bridge Fees, Transportation Services Misc. For connecting digitally: Wireless Providers, Telecommunications Equipment, Fax Services, Cable and Other Pay Television, Video Rentals, Media, Games, Applications, Large Digital. The bank does not determine which Visa merchant categories are used to classify retailers. Earning rewards points at the standard rate: For every $1 spent on net purchases not matching one of the enhanced rate classifications, one reward point is earned. Reward points are not earned on transactional items such as cash advances, balance transfers, returned merchandise, etc. Must have at least 2500 earned reward points to redeem. Account must be in good standing. See the Vivid Rewards program Terms & Conditions for details.
( 3 ) Certain terms, conditions and exclusions apply. In order for coverage to apply, you must charge your eligible cellular wireless bill to your covered card. For further details or to make a claim, please refer to your Guide to Benefits, go to www.cardbenefitservices.com or call 866-894-8569. If you are outside the U.S., you can call collect: 303-967-1096.
( 4 ) Cardholders are not responsible for fraudulent charges made with their card or account information as long as they promptly notify the bank 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 specific conditions, limitations, and other details, please call the number on the back of the card.
( 5 ) Must be enrolled in Online Banking to enroll in Card Alerts. PIN-based card transactions are not eligible to receive alerts. Message and data rates from your wireless provider may apply.
( 6 ) The bank does not charge for Mobile Card Fraud Alerts. However, standard text message and data charges from your wireless provider may apply. Available services are subject to change without notice. Actual time to receive alert is dependent on wireless service and coverage within area.