SuperMoney
  Amegy Reserve Credit Card

Amegy Reserve Credit Card

in Personal Credit Cards from Amegy Bank

Unaffiliated

Amegy Reserve Credit Card

Unaffiliated

in Personal Credit Cards from Amegy Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote
Cast your vote

Would you recommend Amegy Reserve Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Highlights
Highlights
Balance Transfer APR  (Variable APR) 15.74% - 25.74%
Credit Score Range 700 - 850
Annual Fee $450
Purchase APR  (Variable APR) 25.74% - 23.74%
Rewards Rates
  • Airfare
  • Car Rentals
  • Every Purchase
  • Hotels
  • Restaurants
  • Travel

Amegy Reserve Credit Card Review

Amegy Reserve Credit Card is a cashback credit card issued by Amegy Bank. If you're wondering whether Amegy Reserve 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 2 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 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 Reserve 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, emergency support, 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.

Amegy Reserve Credit Card Pros and Cons:

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.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Amegy Reserve Credit Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • 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 Reserve Credit Card cash back or rewards program?

Amegy Reserve Credit Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Amegy Reserve 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 Reserve Credit Card Rewards
Rewards rate (all purchases) 2%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 50000
Signup Bonus Spend Requirement $5000
Signup Bonus Spend Period (months) 3 months

Does Amegy Reserve Credit Card have a signup bonus?

Amegy Reserve Credit Card doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $5000 that can be redeemed for travel, gifts, or other perks.

Does Amegy Reserve Credit Card offer an annual loyalty bonus?

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

What are the Amegy Reserve Credit Card benefits?

Amegy Reserve Credit Card provides the following benefits:

  • Emergency Support
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Amegy Reserve 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 Reserve Credit Card has higher than average purchase APRs.

Amegy Reserve 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% .

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

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

Amegy Reserve Credit Card Balance Transfers
Description
Balance Transfer APR 15.74% - 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 Reserve Credit Card have an introductory APR offer on new purchases??

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

What are the Amegy Reserve Credit Card fees?

The following fees apply to Amegy Reserve Credit Card:

Amegy Reserve 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 Reserve Credit Card have a foreign transaction fee?

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

Amegy Reserve 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 can help improve your credit score.

How to apply for Amegy Reserve Credit Card

  • Visit the Amegy Reserve 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...

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

Icon for Personal Credit Cards
View all personal credit cards offered by Amegy Bank

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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 $450
Minimum Interest Charge $1
Returned Payment Fee Up to $35
Additional Card Fee Amount $50
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
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
Card Type
  • Cashback
  • Rewards
  • Travel
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Emergency Support  
Fraud Liability  
Credit Card Benefits
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
Bonus Rewards Get $500 or 50,000 points when you spend $5,000 within the first 90 days.
Annual Airline Credit $250
Rewards Rates
  • Airfare
  • Car Rentals
  • Every Purchase
  • Hotels
  • Restaurants
  • Travel
Signup Bonus (points) 50,000
Rewards Type Points
Cash Advance APR (Variable APR) 24.74%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 25.74% - 23.74%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 15.74% - 25.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Be the first to rate

 

Would you recommend Amegy Reserve Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards

Merrick Bank Double Your Line™ Platinum Visa® Credit Card
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

4 Reviews

Deserve Edu Mastercard for Students
Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote

1 Reviews

Amegy Bank Personal Credit Cards

Product

Reviews

Balance Transfer APR

Credit Score Range

Annual Fee

Purchase APR

Rewards Rates

Amegy Amazing Rate Credit Card

Amegy Amazing Rate Credit Card

Be the first to rate

Balance Transfer APR 10.25% - 16.25%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 650 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 10.25% - 16.25%
(Variable APR)
    0% 36% Variable APR
Rewards Rates N/A Rewards Rates
Amegy Amazing Rewards Credit Card

Amegy Amazing Rewards Credit Card

Be the first to rate

Balance Transfer APR 12.25% - 19.75%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 12.25% - 19.75%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • 1% on Every Purchase
Amegy Amazing Cash Credit Card

Amegy Amazing Cash Credit Card

Be the first to rate

Balance Transfer APR 12.25% - 19.75%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $0 Annual Fee
Purchase APR 12.25% - 19.75%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • 1% on Every Purchase
Amegy Premier Credit Card

Amegy Premier Credit Card

Be the first to rate

Balance Transfer APR 15.74% - 25.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $95 Annual Fee
Purchase APR 15.74% - 23.74%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • 2.5% on Airfare
  • 2.5% on Car Rentals
  • 1.5% on Every Purchase
  • 2.5% on Hotels
  • 2.5% on Travel
Show More
Amegy Elite Credit Card

Amegy Elite Credit Card

Be the first to rate

Balance Transfer APR 14.74% - 25.74%
(Variable APR)
    5% 29% Variable APR
Credit Score Range 700 - 850     300 850
Annual Fee $195 Annual Fee
Purchase APR 15.74% - 23.74%
(Variable APR)
    0% 36% Variable APR
Rewards Rates
  • 3% on Airfare
  • 3% on Car Rentals
  • 1.5% on Every Purchase
  • 3% on Hotels
  • 3% on Restaurants
  • 3% on Travel
Show More