Amegy Bank Elite Visa Credit Card

Amegy Bank Elite Visa Credit Card Review

This is a cashback card issued by Amegy Bank. If you're wondering whether Amegy Bank Elite Visa Credit Card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can 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.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.24% up to 25.24%.
• 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

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.

Higher than average purchase APRs. You need good credit to qualify. 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 ($)	N/A
Signup Bonus (Points/Miles)	30000
Signup Bonus Spend Requirement	$5000
Signup Bonus Spend Period (months)	3 months

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. This card has higher than average regular APRs.

Amegy Bank Elite Visa Credit Card has a variable purchase APR that ranges from 17.24% up to 25.24%. The card has a variable balance transfer APR that ranges from 17.24% up to 27.24%. It also has a variable cash advance APR of 26.24% .

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 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.