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% .

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 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.