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  Amegy Amazing Cash Credit Card

Amegy Amazing Cash Credit Card

in Personal Credit Cards from Amegy Bank

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Amegy Amazing Cash Credit Card

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in Personal Credit Cards from Amegy Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) 12.25% - 19.75%
Credit Score Range 700 - 850
Annual Fee $0
Purchase APR  (Variable APR) 12.25% - 19.75%
Rewards Rates Every Purchase

Amegy Amazing Cash Credit Card Review

Amegy Amazing Cash Credit Card is a cashback credit card issued by Amegy Bank. If you're wondering whether Amegy Amazing Cash Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Earn 1% cash back on everyday purchases.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Amegy Amazing Cash Credit Card has a variable purchase APR that ranges from 12.25% up to 19.75%.
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 4% Balance transfer fee. Amegy Amazing Cash Credit Card charges a fee of up to 4% on balance transfers. For example, a balance of $1,000 could cost up to $40 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.

Amegy Amazing Cash Credit Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 6 months.
  • No annual fee.
  • Earn rewards on every purchase.
  • Amegy Amazing Cash Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • Charges a 4% balance transfer fee.
  • Does not include many credit card rewards.

Is there a Amegy Amazing Cash Credit Card cash back or rewards program?

No, Amegy Amazing Cash Credit Card does not offer a rewards program. Amegy Amazing Cash Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Amegy Amazing Cash Credit Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

What are the Amegy Amazing Cash Credit Card benefits?

Amegy Amazing Cash Credit Card provides the following benefits:

  • Zero fraud liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Amegy Amazing Cash Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Amegy Amazing Cash Credit Card has lower than average purchase APRs.

Amegy Amazing Cash Credit Card has a variable purchase APR that ranges from 12.25% up to 19.75%. The card has a variable balance transfer APR that ranges from 12.25% up to 19.75%. It also has a variable cash advance APR of 23.74% .

Does Amegy Amazing Cash Credit Card have an introductory APR offer on balance transfers?

Yes, Amegy Amazing Cash Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

Amegy Amazing Cash Credit Card Balance Transfers
Description
Balance Transfer APR 12.25% - 19.75%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 4%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $10

Does Amegy Amazing Cash Credit Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

Amegy Amazing Cash Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 6

What are the fees for Amegy Amazing Cash Credit Card?

The following fees apply to Amegy Amazing Cash Credit Card:

Amegy Amazing Cash Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $25
Late Payment Fee up to $35

Does Amegy Amazing Cash Credit Card have a foreign transaction fee?

Amegy Amazing Cash Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Amegy Amazing Cash Credit Card report your account activity to credit bureaus?

Amegy Amazing Cash Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for Amegy Amazing Cash Credit Card

  • Visit the Amegy Amazing Cash Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 9:00pm
  • Tuesday 7:00am - 9:00pm
  • Wednesday 7:00am - 9:00pm
  • Thursday 7:00am - 9:00pm
  • Friday 7:00am - 9:00pm
  • Saturday 7:00am - 9:00pm

Other Services by Amegy Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Up to 2%
Minimum Cash Advance Fee ($) Up to $2
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1
Returned Payment Fee Up to $25
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Card Type Cashback
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Rates Every Purchase
Rewards Type Cash Back
Cash Advance APR (Variable APR) 23.74%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 12.25% - 19.75%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 12.25% - 19.75%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%

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Amegy Bank Personal Credit Cards

Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Rewards Rates

Amegy Amazing Rate Credit Card

Amegy Amazing Rate Credit Card

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Balance Transfer APR 10.25% - 16.25%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 10.25% - 16.25%
(Variable APR)
    0% 36% Variable APR
Rewards Rates N/A Rewards Rates
Amegy Amazing Rewards Credit Card

Amegy Amazing Rewards Credit Card

Be the first to rate

Balance Transfer APR 12.25% - 19.75%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 12.25% - 19.75%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • 1% on Every Purchase
Amegy Premier Credit Card

Amegy Premier Credit Card

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Balance Transfer APR 15.74% - 25.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $95 Annual Fee
Purchase APR 15.74% - 23.74%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • 2.5% on Airfare
  • 2.5% on Car Rentals
  • 1.5% on Every Purchase
  • 2.5% on Hotels
  • 2.5% on Travel
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Amegy Elite Credit Card

Amegy Elite Credit Card

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Balance Transfer APR 14.74% - 25.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $195 Annual Fee
Purchase APR 15.74% - 23.74%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • 3% on Airfare
  • 3% on Car Rentals
  • 1.5% on Every Purchase
  • 3% on Hotels
  • 3% on Restaurants
  • 3% on Travel
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Amegy Reserve Credit Card

Amegy Reserve Credit Card

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Balance Transfer APR 15.74% - 25.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $450 Annual Fee
Purchase APR 25.74% - 23.74%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • 3% on Airfare
  • 3% on Car Rentals
  • 2% on Every Purchase
  • 3% on Hotels
  • 3% on Restaurants
  • 3% on Travel
Show More