Vectra Bank Colorado Elite
The Vectra Bank Colorado Elite from Vectra Bank Colorado earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $195. New applicants may see: $300 bonus offer or 30,000 bonus points when you spend $5,000 in the first 90 days.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $195
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Vectra Bank Colorado Elite earn in each category?
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.5% |
| Gas Gas stations and fuel | 1.5x points | 1.5% |
| Travel Flights, hotels, transit | 1.5x points | 1.5% |
| Other General everyday spend | 1.5x points | 1.5% |
Madeen values Vectra Bank Colorado Points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Vectra Bank Colorado Elite?
The Vectra Bank Colorado Elite fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Vectra Bank Colorado Elite fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 66% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $195 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 3% effective (3x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $195 annual fee requires enough spend in bonus categories to offset.
- Vectra Bank Colorado Points value depends on how you redeem, not straight cash back.
Does the Vectra Bank Colorado Elite have an annual fee, and what's the welcome bonus?
The Vectra Bank Colorado Elite has an annual fee of $195 and a foreign transaction fee of None. New applicants may see: $300 bonus offer or 30,000 bonus points when you spend $5,000 in the first 90 days.. Confirm current issuer terms before applying.
- Annual fee
- $195
- Foreign transaction fee
- None
- Signup bonus
- $300 bonus offer or 30,000 bonus points when you spend $5,000 in the first 90 days.
What benefits come with the Vectra Bank Colorado Elite?
The Vectra Bank Colorado Elite includes Annual Travel Credit, Auto Rental Collision Damage Waiver, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual Travel Credit
$100 travel credit every year.
- Auto Rental Collision Damage Waiver
Car Rental Collision Damage Waiver may protect you if your rental car is damaged from an accident or theft.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Cell Phone Protection
Cell Phone Protection may provide reimbursement for your stolen or damaged cell phone when you pay your wireless phone bill with your card.
- Dovly Uplift™Included with Visa Signature®
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- Global Entry Statement CreditIncluded with Visa Signature®
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
- Lost Luggage Assistance
When you use your covered Card to purchase an airline or common carrier ticket, you can be eligible to receive reimbursement for your checked luggage or carry-on baggage and their contents in the event of theft or misdirection up to $3,000 per trip ($2,000 maximum if resident of New York). This coverage applies to travel by air, ferry, cruise ship, train, or bus.
Common questions about the Vectra Bank Colorado Elite
Does the Vectra Bank Colorado Elite have an annual fee?
The Vectra Bank Colorado Elite carries an annual fee of $195 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Vectra Bank Colorado Elite?
Dining is the strongest Madeen category for the Vectra Bank Colorado Elite at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Vectra Bank Colorado Elite charge foreign transaction fees?
The Vectra Bank Colorado Elite does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Vectra Bank Colorado Elite welcome bonus?
The Vectra Bank Colorado Elite welcome offer in our snapshot: $300 bonus offer or 30,000 bonus points when you spend $5,000 in the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Vectra Bank Colorado Elite annual fee worth it?
Whether the $195 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Vectra Bank Colorado Elite?
Madeen's catalog lists a typical credit range of Good to Excellent for the Vectra Bank Colorado Elite. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Vectra Bank Colorado Elite compare to similar cards?
Compare the Vectra Bank Colorado Elite against Vectra Bank Colorado Reserve (3% on Dining, $450 fee); Vectra Bank Colorado Vivid Rewards (3% on Dining, $0 fee); Vectra Bank Colorado Premier (1.5% on Dining, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Vectra Bank Colorado Elite This card | Dining | 3% | $195 |
Vectra Bank Colorado | Dining | 3% | $450 |
Vectra Bank Colorado | Dining | 3% | $0 |
Vectra Bank Colorado | Dining | 1.5% | $95 |
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