Vectra Bank Colorado

Credit Cards Overview

AmaZing Rewards® Credit Card

A rewards program that’s easy to use. Earn points with every purchase!

AmaZing Rewards® Credit Card*

AmaZing Rewards Credit Card. 3x Rewards Points. Limited Time Special Offer. Our AmaZing Rewards® credit card delivers everything you expect from a premium card, along with a few things you may have never thought possible. So reward yourself! Hey, you deserve it.

Benefits

  • Earn 3x Rewards Points for every dollar spent on net purchases during the first 90 days.1
  • No annual fee
  • Earn unlimited rewards points1
    - earn 1 point for every dollar spent
    - annual bonus 2
    - no earnings cap
  • Apply your points toward any purchase made with your card
  • 0% Intro APR for 6 months, 12.99% to 19.99% variable APR thereafter3
  • 0% Intro APR on balance transfers for 12 months, 12.99% to 19.99% variable APR thereafter. 3% fee, $10 minimum4
Apply Now

Need assistance choosing the right credit card? Please give us a call at 844–210–3604, visit a branch near you or complete the form below.



Plus – You Get All This!

Maximize Value

  • No annual fee
  • Low introductory APR on purchases and balance transfers
  • “Show–your–phone” mobile couponing application – Vectra AmaZing Deals®5

Peace of Mind

  • Visa® Zero Liability for fraudulent activity6
  • Travel Accident Insurance
  • Warranty Manager
  • Roadside Dispatch and Visa 911 emergency services
  • Card Alerts to monitor spending by text or email7

Manage Your Budget

  • Online Banking for 24/7 access
  • Weekly or monthly updates that track spending
  • Year–end summary statements

Convenient Payment Options

A Card that Reflects You

Learn about all the credit card benefits here!


**Important Details**
Consumer Credit Card Agreement and Disclosure Statement

*Credit Cards: Credit cards are subject to credit approval. Certain terms, conditions and restrictions apply. Offer available to new consumer credit cards only. Limited–time offer. See your Vectra Consumer Credit Card Agreement and Disclosures for more details. All offers subject to change at any time.

1. AmaZing Rewards® Program: Earn 1 rewards point for every dollar spent on net purchases. Earn 3 rewards points for every dollar spent on net purchases during the first 90 days of account opening. Transactional items such as cash advances, balance transfers, returned merchandise, etc. are not eligible. Redmption: Points may be redeemed against any purchase. Minimum 2,500 earned points to redeem and redemption must occur within 90 days of purchase date. Account must be in good standing. See AmaZing Rewards Terms and Conditions for full details.

2. Annual Rewards Bonus: Offer available on Amazing Rewards card. A cardholder may earn an annual reward bonus ranging from 0% up to 25% of the total rewards points they have earned on non–promotional offers within the calendar year. This annual bonus is not 0–25% of annual spend on the card; but rather it is 0–25% of the total rewards points that the cardholder has earned throughout the year. This annual bonus is in addition to the 1% rewards points that a cardholder earns on every purchase. The percentage amount of the annual bonus is determined by which tier the cardholder’s annual net 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, with an annual spend of $12,500 you would earn 12,500 points (1% rewards) plus an annual bonus of 1,250 points (10% under Tier 3). The annual bonus will be added to your rewards points balance within 6 weeks of the calendar year end. 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

3. Intro APR: 0.00% Intro APR for the first 6 months on purchases, on purchases, thereafter, the variable APR will range from 13.24% to 20.24% 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.

4. 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 13.24% to 20.24% 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.

5. Vectra AmaZing Deals: 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.

6. Zero Liability: Cardholder is not responsible for fraudulent charges made with their card or account information as long as they promptly notify Vectra Bank Colorado of unauthorized card use. Disputed transactions must post to account before provisional credit will be issued. details, please contact us.

7. Mobile Banking: Online Banking enrollment required. Message and data charges from your wireless provider may apply.

8. myPhotocard®: First customization is free. Each new image is $5.00.