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.
- Generous reward rate. You will get a
a rewards rate of 3 points per dollar spent.
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
that ranges from
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,
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 & Cons
- 0% APR balance transfer intro rate on balance transfers for up to 6 months.
- Multiple credit card perks.
- Access to a concierge.
- No foreign transaction fee.
- Cardholders can earn rewards on purchases everywhere Amegy Reserve Credit Card is accepted.
- Amegy Reserve 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.
Amegy Reserve Credit Card FAQ
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
|Minimum rewards rate (all purchases)
|Max rewards rate
|Annual rewards limit
|Signup Bonus (Points/Miles)
|Signup Bonus Spend Requirement
|Signup Bonus Spend Period (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:
- 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
that ranges from
up to 23.74%.
The card has a
balance transfer APR
that ranges from
up to 25.74%.
It also has a
cash advance APR
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 6 months.
Amegy Reserve Credit Card Balance Transfers
|Balance Transfer APR
||15.74% - 25.74%
|Balance Transfer Introductory APR
|Balance Transfer Intro APR Period (months)
|Balance Transfer Fee %
|Balance Transfer Fee % After Intro Period
|Balance Transfer Fee Intro Period (days)
|Balance Transfer Fee Minimum
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
|Purchase Intro APR Period (months)
What are the fees for Amegy Reserve Credit Card?
The following fees apply to Amegy Reserve Credit Card:
Amegy Reserve Credit Card Fees
|Foreign Transaction Fee
|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?
Yes, Amegy Reserve Credit Card reports your account activity to the following credit reporting agencies:
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 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.
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