Amegy Amazing Rate Credit Card
in Personal Credit Cards from Amegy Bank
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| Balance Transfer APR (Variable APR) | 10.25% - 16.25% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 10.25% - 16.25% |
Amegy Amazing Rate Credit Card Review
Amegy Amazing Rate Credit Card is a credit card issued by Amegy Bank. If you're wondering whether Amegy Amazing Rate Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
Key takeaways:
- 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 Rate Credit Card has a variable purchase APR that ranges from 10.25% up to 16.25%.
- 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 Rate 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.
- Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Amegy Amazing Rate Credit Card Pros and Cons:
| The Good | The Bad |
|---|---|
|
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Is there a Amegy Amazing Rate Credit Card cash back or rewards program?
No, Amegy Amazing Rate Credit Card does not offer a rewards program.
What are the Amegy Amazing Rate Credit Card benefits?
Amegy Amazing Rate Credit Card provides the following benefits:
- Zero fraud liability
- ID Theft Protection
What are the relevant APRs for Amegy Amazing Rate 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 Rate Credit Card has lower than average purchase APRs.Amegy Amazing Rate Credit Card has a variable purchase APR that ranges from 10.25% up to 16.25%. The card has a variable balance transfer APR that ranges from 10.25% up to 16.25%. It also has a variable cash advance APR of 18% .
Does Amegy Amazing Rate Credit Card have an introductory APR offer on balance transfers?
Yes, Amegy Amazing Rate Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer APR | 10.25% - 16.25% |
| 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 Rate 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.
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period (months) | 6 |
What are the fees for Amegy Amazing Rate Credit Card?
The following fees apply to Amegy Amazing Rate Credit Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $35 |
Does Amegy Amazing Rate Credit Card have a foreign transaction fee?
Amegy Amazing Rate 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.How to apply for Amegy Amazing Rate Credit Card
- Visit the Amegy Amazing Rate 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.
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Contact
- Headquarters
-
1717 West Loop South
Houston, TX 77027 - (800) 287-0301
- Visit Site
Other Services by Amegy Bank
View all personal credit cards offered by Amegy Bank
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 |
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Other Personal Credit Cards
Amegy Bank Personal Credit Cards
Balance Transfer APR
12.25% - 19.75%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
12.25% - 19.75%
(Variable APR)
Balance Transfer APR
12.25% - 19.75%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
12.25% - 19.75%
(Variable APR)
Balance Transfer APR
15.74% - 25.74%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$95
Purchase APR
15.74% - 23.74%
(Variable APR)
Balance Transfer APR
14.74% - 25.74%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$195
Purchase APR
15.74% - 23.74%
(Variable APR)
Balance Transfer APR
15.74% - 25.74%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$450
Purchase APR
25.74% - 23.74%
(Variable APR)
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