Amegy Amazing Rewards Credit Card Review

Amegy Amazing Rewards Credit Card is a rewards credit card issued by Amegy Bank. If you're wondering whether Amegy Amazing Rewards 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 point for every dollar spent on everyday purchases. Terms and conditions apply.
• 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 12.25% up to 19.75%.
• 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 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 Rewards 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. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. Amegy Amazing Rewards Credit Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	Requires good to excellent credit. 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 rewards.

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

Amegy Amazing Rewards Credit Card offers a rewards program to its customers.

Amegy Amazing Rewards Credit Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Amegy Amazing Rewards Credit Card benefits?

Amegy Amazing Rewards 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 Rewards 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 Rewards Credit Card has lower than average purchase APRs.

Amegy Amazing Rewards 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 Rewards Credit Card?

The following fees apply to Amegy Amazing Rewards Credit Card:

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

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

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 can help improve your credit score.

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 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.