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  Amegy Bank Elite Visa Credit Card

Amegy Bank Elite Visa Credit Card

in Personal Credit Cards from Amegy Bank

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Amegy Bank Elite Visa Credit Card

Unaffiliated

in Personal Credit Cards from Amegy Bank

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 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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Highlights
Community Rating

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Purchase APR  (Variable APR) 15.74% - 23.74%
Balance Transfer APR  (Variable APR) 14.74% - 25.74%
Credit Score Range 700 - 850
Annual Fee $195

Amegy Bank Elite Visa Credit Card Review

This is a cashback credit card issued by Amegy Bank. If you're wondering whether Amegy Bank Elite Visa 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.

Key Takeaways
  • Generous reward rate. You will get a rewards rate of up to 3 reward points per dollar spent.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • Signup bonus. Offers a signup bonus of 30000 points after spending $5,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. Amegy Bank Elite Visa Credit Card has a variable purchase APR that ranges from 15.74% up to 23.74%.
  • 3% Balance transfer fee. Amegy Bank Elite Visa Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, identity theft protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Amegy Bank Elite Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • Multiple credit card perks.
  • Access to a concierge.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Amegy Bank Elite Visa Credit Card is accepted.
  • Amegy Bank Elite Visa Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Charges an annual fee of $195
  • Charges a 3% balance transfer fee.
Amegy Bank Elite Visa Credit Card FAQ

Does Amegy Bank Elite Visa Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 3% for purchases in a bonus category.

Amegy Bank Elite Visa Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate 3x
Annual rewards limit N/A
Signup Bonus (Points/Miles) 30000
Signup Bonus Spend Requirement $5000
Signup Bonus Spend Period (months) 3 months

Does Amegy Bank Elite Visa Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 30000 points signup bonus after spending $5000 that can be redeemed for travel, gifts, or other perks.

Does Amegy Bank Elite Visa Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Amegy Bank Elite Visa Credit Card benefits?

It provides the following benefits:

  • Emergency Support
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Amegy Bank Elite Visa 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 15.74% up to 23.74%. The card has a variable balance transfer APR that ranges from 14.74% up to 25.74%. It also has a variable cash advance APR of 24.74% .

Does Amegy Bank Elite Visa 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 6 months.

Amegy Bank Elite Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 14.74% - 25.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does Amegy Bank Elite Visa Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Amegy Bank Elite Visa Credit Card?

The following fees apply:

Amegy Bank Elite Visa Credit Card Fees
Fees Amount
Annual Fee $195
Foreign Transaction Fee 0%
Returned Payment Fee up to $35
Late Payment Fee up to $35

Does Amegy Bank Elite Visa Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Amegy Bank Elite Visa Credit Card?

The Amegy Bank Elite Visa Credit Card customer service number is (800) 287-0301.

What is the support contact email for Amegy Bank Elite Visa Credit Card?

The support contact email for Amegy Bank Elite Visa Credit Card is info@amegybank.com.

How do people rate the customer service and user experience of Amegy Bank Elite Visa Credit Card?

Overall, Amegy Bank Elite Visa Credit Card is strongly recommended based on community reviews that rate customer service and user experience.

Does Amegy Bank Elite Visa Credit Card report your account activity to credit bureaus?

Yes, Amegy Bank Elite Visa 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 Bank Elite Visa Credit Card

  • Visit the Amegy Bank Elite Visa 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

Other Services by Amegy Bank

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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

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Annual Fee $195
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Rewards Rates
  • Every Purchase
  • Travel
  • Restaurants
  • Hotels
  • Airfare
  • Car Rentals
Signup Bonus (points) 30,000
Cash Advance APR (Variable APR) 24.74%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 15.74% - 23.74%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 14.74% - 25.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Cashback
  • Travel
Card Network Visa

Amegy Bank Elite Visa Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 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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