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  Amegy Elite Credit Card

Amegy Elite Credit Card

in Personal Credit Cards from Amegy Bank

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Amegy Elite Credit Card

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in Personal Credit Cards from Amegy Bank

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Highlights
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 Elite Credit Card Review

Amegy Elite Credit Card is a cashback credit card issued by Amegy Bank. If you're wondering whether Amegy Elite Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a a rewards rate of 3 points per dollar spent.
  • Earn 1.5 points for every dollar spent on everyday purchases. Terms and conditions apply. This is higher than the average reward rate (1 point per dollar spent) for everyday purchases.
  • 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 Elite Credit Card has a variable purchase APR that ranges from 15.74% up to 23.74%.
  • 3% Balance transfer fee. Amegy Elite Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
Amegy Elite Credit Card Pros & Cons
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.
  • No foreign transaction fee.
  • Cardholders can earn rewards on purchases everywhere Amegy Elite Credit Card is accepted.
  • Amegy Elite 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 Elite Credit Card FAQ

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

Amegy Elite Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Amegy Elite Credit Card you receive 1% cash back on every 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 Elite Credit Card Rewards
Minimum rewards rate (all purchases) 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 Elite Credit Card have a signup bonus?

Amegy Elite Credit 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 Elite Credit Card offer an annual loyalty bonus?

Amegy Elite Credit Card doesn't offer a cash loyalty bonus.

What are the Amegy Elite Credit Card benefits?

Amegy Elite Credit Card provides the following benefits:

  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Amegy Elite 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 Elite Credit Card has lower than average purchase APRs.

Amegy Elite Credit Card 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 Elite Credit Card have an introductory APR offer on balance transfers?

Yes, Amegy Elite Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.

Amegy Elite Credit Card Balance Transfers
Description
Balance Transfer APR 14.74% - 25.74%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 6
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $5

Does Amegy Elite Credit Card have an introductory APR offer on new purchases?

Amegy Elite Credit Card does not offer an introductory rate on new purchases.
Amegy Elite Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Amegy Elite Credit Card?

The following fees apply to Amegy Elite Credit Card:

Amegy Elite 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 Elite Credit Card have a foreign transaction fee?

Amegy Elite Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

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

Yes, Amegy Elite 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 Elite Credit Card

  • Visit the Amegy Elite 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.

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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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
Bonus Rewards Get $300 or 30,000 points when you spend $5,000 within the first 90 days.
Rewards Rates
  • Airfare
  • Car Rentals
  • Every Purchase
  • Hotels
  • Restaurants
  • Travel
Signup Bonus (points) 30,000
Rewards Type Points
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

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