Vectra Bank Colorado

Premium Credit Cards* Overview

The Vectra Bank Premium Credit cards offer exciting, powerful new ways to earn travel rewards and elevate the way you travel. Opt to earn cash back, or choose points and repay yourself for any purchases made in the last 90 days¹. All Vectra Bank travel cards also include a full suite of travel benefits, upgrades and perks.

Premier Visa Card^*
Features a low annual fee and up to 2.5% cash or 2.5x points on every purchase you make.²

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Elite Visa Card^*
A new way to earn rewards faster and elevate the way you travel with up to 3% cash or 3x points on every purchase you make.²

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Reserve Visa Card^*
Includes a $500 Bonus offer¹, a $250 annual travel credit³, complimentary lounge access⁴, and more.

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ENRICH EVERY TRAVEL EXPERIENCE

	Trip cancellation insurance and trip delay reimbursement, travel accident insurance, lost and delayed baggage reimbursement and more
	Best Rate Guarantee, Automatic Upgrades and VIP Guest Status at more than 900 luxury hotels around the world through the Visa Luxury Hotel Collection
	Visa Signature access to once-in-a-lifetime experiences. Fine wine and food events, special discounts, and more
	Complimentary 24–hour Visa Signature® concierge service

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.

**Important Details**
* Credit Cards - Credit Cards are subject to credit approval. Certain terms and restrictions apply. See the credit card application and disclosures for more details. Offers are available for new credit cards only and subject to change at any time.

1. Bonus Rewards Points or cash Back - Bonus offer applies to new Premier, Elite, or Reserve cardholders, subject to credit approval. Transactional items such as cash advances, balance transfers, returned merchandise, etc. do not qualify toward $4,000 or $5,000 spend amount. Bonus points or bonus cash will be added to your rewards points or cash back balance within 4 to 6 weeks from the end of the 90-day promotion. Certain terms, conditions, and restrictions apply.

2. Amazing Rewards^® Points/ Amazing Cash^® Back - For every dollar spent on net purchases, Reserve and Elite cardholders earn 3 rewards points or 3% cash back and Premier cardholders earn 2.5 rewards points or 2.5% cash back in airlines, hotels, car rental, cruise lines, and travel agencies. Elite and Reserve Cardholders earn 3 rewards points or 3% cash back on dining. Reserve cardholders earn 2 rewards points or 2% cash back and Elite and Premier cardholders earn 1.5 rewards points or 1.5% cash back on all other categories. Rewards points and cash back are not earned an transactional items such as cash advances, balance transfers, returned merchandise, etc. For points redemption, purchases must be redeemed within 90 days of purchase date and account must have at least 2,500 points to redeem. For cash back, must have at least $25 earned cash back to redeem. Account must be in good standing. See AmaZing Rewards or AmaZing Cash Back program Terms and Conditions for full details.

3. Annual Travel Credit - A statement credit will automatically be applied to your account when your card is used for purchases in certain travel categories, up to an annual maximum of $100 (Elite product) or $250 (Reserve product). Annual Travel Credits are refreshed once yearly, the day after the anniversary of your account open date. Qualifying purchases are those billed in the following merchant categories: Airlines, Rental Cars, Hotels, Cruise Lines, Travel Agencies, Airport Terminals, Global Entry, TSA PreCheck, Gogo Inflight Wi-Fi. Identification of qualified purchases is subject to merchants' billing settings. Statement credit(s) will post to your account within 3 days of the settled purchases and will appear on your monthly credit card billing statement within 1-2 billing cycles. With questions about your Annual Travel Credit, or when your next Annual Travel Credit will become available, call the number on the back of your card.

4. Priority Pass Select - Up to four Reserve cardmembers per account are automatically enrolled in Priority Pass^© Select membership free of charge. Priority Pass Select membership includes access to airport lounges participating in the Priority Pass Select Network. Participating lounges are owned and operated by independent third parties and their participation and/or facilities may change. For a current list of participating lounges, visit www.prioritypass.com. Additionally, each membership (up to four per account) includes five complimentary visits during each 12-month membership period. Member and accompanying guest visits count against the free visit allowance. After your five visits, a lounge visit fee, currently $27 per person, per visit will be charged to your credit card once the lounge reports the visit. Ro access a lounge, member must show valid Priority Pass Select membership. Priority Pass Select membership is subject to the Priority Pass Select Terms and Conditions. Account must be open and in good standing to maintain membership. For complete Priority Pass Select Terms and Conditions click here.