Amegy Bank Reserve Visa Credit Card Review

Amegy Bank Reserve Visa Credit Card is a cashback credit card issued by Amegy Bank. If you're wondering whether Amegy Bank Reserve 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 50000 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 25.74% up to 23.74%.
• 3% Balance transfer fee. Amegy Bank Reserve 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, emergency support, 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

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 Reserve Visa Credit Card is accepted. Amegy Bank Reserve Visa Credit Card reports to multiple credit bureaus.

Higher than average purchase APRs. Requires good to excellent credit. Charges an annual fee of $450 Charges a 3% balance transfer fee.

Is there a Amegy Bank Reserve Visa Credit Card cash back or rewards program?

Amegy Bank Reserve Visa Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Amegy Bank Reserve Visa Credit Card you receive 2% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash. However, you can earn up to 3% for purchases in a bonus category.

Amegy Bank Reserve Visa Credit Card Rewards

Minimum rewards rate	2x
Max rewards rate	3x
Annual rewards limit	N/A
Signup Bonus (Points/Miles)	50000
Signup Bonus Spend Requirement	$5000
Signup Bonus Spend Period (months)	3 months

What are the Amegy Bank Reserve Visa Credit Card benefits?

Amegy Bank Reserve Visa Credit Card 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 Reserve 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 Reserve Visa Credit Card has higher than average purchase APRs.

Amegy Bank Reserve Visa Credit Card has a variable purchase APR that ranges from 25.74% 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% .

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

The following fees apply to Amegy Bank Reserve Visa Credit Card:

Amegy Bank Reserve Visa Credit Card Fees

Fees	Amount
Annual Fee	$450
Foreign Transaction Fee	0%
Returned Payment Fee	up to $35
Late Payment Fee	up to $35

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

Yes, Amegy Bank Reserve 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 Reserve Visa Credit Card

• Visit the Amegy Bank Reserve 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.