
Amegy Bank Premier Visa Credit Card
in Personal Credit Cards from Amegy Bank
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Purchase APR (Variable APR) | 15.74% - 23.74% |
Balance Transfer APR (Variable APR) | 15.74% - 25.74% |
Credit Score Range | 700 - 850 |
Annual Fee | $95 |
Amegy Bank Premier Visa Credit Card Review
Amegy Bank Premier Visa Credit Card is a cashback credit card issued by Amegy Bank. If you're wondering whether Amegy Bank Premier Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.
- Generous reward rate. You will get a rewards rate of up to 3 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.
- Competitive APRs. Amegy Bank Premier Visa Credit Card has a variable purchase APR that ranges from 15.74% up to 23.74%.
- 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 $95 annual fee.
- 3% Balance transfer fee. Amegy Bank Premier Visa 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.
- 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 should probably try with another card if your credit score is below 700.
The Good | The Bad |
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Is there a Amegy Bank Premier Visa Credit Card cash back or rewards program?
Amegy Bank Premier Visa Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Amegy Bank Premier Visa Credit Card you receive 1.5% cash back on every 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 (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?
Amegy Bank Premier Visa Credit 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?
Amegy Bank Premier Visa Credit Card doesn't offer a cash loyalty bonus.What are the Amegy Bank Premier Visa Credit Card benefits?
Amegy Bank Premier Visa Credit Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Amegy Bank Premier Visa Credit Card has lower than average purchase APRs.Amegy Bank Premier Visa 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 15.74% up to 25.74%. It also has a variable cash advance APR of 24.74% .
Does Amegy Bank Premier Visa Credit Card have an introductory APR offer on balance transfers?
Yes, Amegy Bank Premier Visa Credit Card offers an introductory APR rate on balance transfers of 0% for a period of up to 6 months.
Description | |
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Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 6 months |
Balance Transfer APR | 15.74% - 25.74% |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 3% |
Does Amegy Bank Premier Visa Credit Card have an introductory APR offer on new purchases?
Amegy Bank Premier Visa Credit Card does not offer an introductory rate on new purchases.Description |
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What are the fees for Amegy Bank Premier Visa Credit Card?
The following fees apply to Amegy Bank Premier Visa Credit Card:
Fees | Amount |
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Annual Fee | $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?
Amegy Bank Premier Visa 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 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 - (800) 287-0301
- Visit Site
Other Services by Amegy Bank

Availability
- 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 Annual Fee First Year | |
No Interest Grace Period for Late Payment | 25 days |
Cash Advance Fee (%) | Up to 5% |
Minimum Cash Advance Fee ($) | Starting at $10 |
Annual Fee | $95 |
Minimum Interest Charge | $1 |
Returned Payment Fee | Up to $35 |
Late Fee Amount | Up to $35 |
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