
Amegy Bank Premier Visa Credit Card
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Purchase APR (Variable APR) |
17.24% - 25.24% (Verified 10/21/2022) |
Balance Transfer APR (Variable APR) |
17.24% - 27.24% (Verified 10/21/2022) |
Credit Score Range | 700 - 850 |
Annual Fee | $0 - $95 |
Amegy Bank Premier Visa Credit Card Review
This is a cashback card issued by Amegy Bank. If you're wondering whether Amegy Bank Premier 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 15000 points after spending $4,000 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%.
- Cash rewards. This credit card offers cash rewards on your purchases, but you will have to pay an annual fee of up to $95 for the privilege.
- Annual fee waived the first year. Amegy Bank Premier Visa Credit Card gives you the chance to have the card for a year without paying the $0 annual fee.
- 3% Balance transfer fee. Amegy Bank Premier 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, 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 Premier Visa Credit Card
The Good | The Bad |
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Amegy Bank Premier Visa Credit Card FAQ
Does Amegy Bank Premier 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 1.5% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $15 back in cash. However, you can earn up to 3% for purchases in a bonus category.
Minimum rewards rate | 1.5x |
Max rewards rate | 3x |
Annual rewards limit | N/A |
Signup Bonus ($) | N/A |
Signup Bonus (Points/Miles) | 15000 |
Signup Bonus Spend Requirement | $4000 |
Signup Bonus Spend Period (months) | 3 months |
Does Amegy Bank Premier Visa Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 15000 points signup bonus after spending $4000 that can be redeemed for travel, gifts, or other perks.Does Amegy Bank Premier Visa Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Amegy Bank Premier Visa Credit Card benefits?
It provides the following benefits:
- Trip Cancellation Insurance
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Amegy Bank Premier 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 Premier 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 that ranges from 26.24% up to 27.24%.
Does Amegy Bank Premier 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.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 6 months |
Balance Transfer APR | 17.24% - 27.24% |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 3% |
Does Amegy Bank Premier 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 Premier Visa Credit Card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | Starting at $0 up to $95 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $35 |
Late Payment Fee | up to $35 |
Does Amegy Bank Premier 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 Premier Visa Credit Card?
The Amegy Bank Premier Visa Credit Card customer service number is (800) 287-0301.
What is the support contact email for Amegy Bank Premier Visa Credit Card?
The support contact email for Amegy Bank Premier Visa Credit Card is info@amegybank.com.
What is the Amegy Bank Premier Visa Credit Card login page?
You can access the Amegy Bank Premier Visa Credit Card login page here.
How do people rate the customer service and user experience of Amegy Bank Premier Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Amegy Bank Premier Visa Credit Card report your account activity to credit bureaus?
Yes, Amegy Bank Premier 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 Premier Visa Credit Card
- Visit the Amegy Bank Premier 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.
Contact
- Headquarters
-
1717 West Loop South
Houston, TX 77027 USA - (800) 287-0301
- Visit Site
- Email Support
Other Services by Amegy Bank
Availability
- 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
Cash Advance Fee (%) | Up to 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Foreign Currency Transaction Fee | 0% |
No Foreign Transaction Fee | |
No Annual Fee First Year | |
Annual Fee | $0 - $95 |
Minimum Interest Charge | $1 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Up to $35 |
Late Fee Amount | Up to $35 |
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