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  Amegy Amazing Rewards Credit Card
Amegy Amazing Rewards Credit Card
in Credit Cards from Amegy Bank
Unaffiliated

Amegy Amazing Rewards Credit Card

Unaffiliated
in Credit Cards from Amegy Bank
Net Recommendation Score -100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

0 users recommend
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1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  
Purchase APR  (Variable APR) 13.75% - 21.25%
(Verified 10/21/2022)
Balance Transfer APR  (Variable APR) 13.75% - 21.25%
(Verified 10/21/2022)
Credit Score Range 700 - 850
Annual Fee $0

Amegy Amazing Rewards Credit Card Review

This is a rewards card issued by Amegy Bank. If you're wondering whether Amegy Amazing Rewards Credit Card is the right card for you, read on.

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 Rewards Credit Card has a variable purchase APR that ranges from 13.75% up to 21.25%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 4% Balance transfer fee. Amegy Amazing Rewards 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.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Amegy Amazing Rewards Credit Card

The Good The Bad
  • Potentially 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. There is then a variable purchase APR that ranges from 13.75% up to 21.25%.
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on their purchases.
  • Amegy Amazing Rewards Credit Card reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 4% balance transfer fee.
  • Does not include many credit card benefits.

Amegy Amazing Rewards Credit Card FAQ

Does Amegy Amazing Rewards Credit Card have a cash back or rewards program?

Amegy Amazing Rewards Credit Card is a rewards card.

Amegy Amazing Rewards Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Amegy Amazing Rewards Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Amegy Amazing Rewards Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Amegy Amazing Rewards Credit Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Amegy Amazing Rewards 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. This card has lower than average regular APRs.

Amegy Amazing Rewards Credit Card has a variable purchase APR that ranges from 13.75% up to 21.25%. The card has a variable balance transfer APR that ranges from 13.75% up to 21.25%. It also has a variable cash advance APR of 25.24% .

Does Amegy Amazing Rewards 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.

Amegy Amazing Rewards Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 13.75% - 21.25%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%

Does Amegy Amazing Rewards Credit Card have an intro APR offer on new purchases?

Amegy Amazing Rewards Credit Card Purchase Intro Offer
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 Rewards Credit Card?

The following fees apply:

Amegy Amazing Rewards Credit Card Fees
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 rewards card.

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

Amegy Amazing Rewards 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 Rewards Credit Card?

The Amegy Amazing Rewards Credit Card customer service number is (800) 287-0301.

What is the support contact email for Amegy Amazing Rewards Credit Card?

The support contact email for Amegy Amazing Rewards Credit Card is info@amegybank.com.

What is the Amegy Amazing Rewards Credit Card login page?

You can access the Amegy Amazing Rewards Credit Card login page here.

How do people rate the customer service and user experience of Amegy Amazing Rewards Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, Amegy Amazing Rewards 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 Rewards Credit Card

  • Visit the Amegy Amazing Rewards 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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee (%) Up to 2%
Minimum Cash Advance Fee ($) Up to $2
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $25
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • 1x Point on Every Purchase
Cash Advance APR (Variable APR) 25.24%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 13.75% - 21.25%
(Verified 10/21/2022)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 13.75% - 21.25%
(Verified 10/21/2022)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%
Card Type
  • Rewards
Card Network Visa

Amegy Amazing Rewards Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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