Amegy Amazing Rate Credit Card
in Personal Credit Cards from Amegy Bank
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| Purchase APR (Variable APR) | 10.25% - 16.25% |
| Balance Transfer APR (Variable APR) | 10.25% - 16.25% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
Amegy Amazing Rate Credit Card Review
This 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 review will provide you with with all the details you need to make a good choice.
- 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 4% on balance transfers. For example, a balance of $1,000 could cost $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 will have good approval oods if your credit score is above650.
| The Good | The Bad |
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Does Amegy Amazing Rate Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Amegy Amazing Rate Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Amegy Amazing Rate Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.It 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 intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.
| Description | |
|---|---|
| Balance Transfer Introductory APR | 0% |
| Balance Transfer Intro APR Period | 12 months |
| Balance Transfer APR | 10.25% - 16.25% |
| Balance Transfer Fee Minimum | $10 |
| Balance Transfer Fee % | 4% |
Does Amegy Amazing Rate Credit Card have an intro APR offer on new purchases?
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period | 6 months |
This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.
What are the fees for Amegy Amazing Rate Credit Card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $25 |
| Late Payment Fee | up to $35 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
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 foreign transaction fees.What is the customer service phone number for Amegy Amazing Rate Credit Card?
The Amegy Amazing Rate Credit Card customer service number is (800) 287-0301.
What is the support contact email for Amegy Amazing Rate Credit Card?
The support contact email for Amegy Amazing Rate Credit Card is info@amegybank.com.
Does Amegy Amazing Rate Credit Card report your account activity to credit bureaus?
Yes, Amegy Amazing Rate 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 may help improve your credit.
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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
1717 West Loop South
Houston, TX 77027 - (800) 287-0301
- Visit Site
- Email Support
Other Services by Amegy Bank
Availability
- 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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