Amegy Reserve Credit Card
in Personal Credit Cards from Amegy Bank
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| Purchase APR (Variable APR) | 25.74% - 23.74% |
| Balance Transfer APR (Variable APR) | 15.74% - 25.74% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $450 |
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.
- 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, 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 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 $20 back in cash. However, you can earn up to 3% for purchases in a bonus category.
| Rewards rate (all purchases) | 2% |
| Max rewards rate | 3% |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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:
- 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 6 months.
| 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.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the fees for Amegy Reserve Credit Card?
The following fees apply to Amegy Reserve Credit Card:
| 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.
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.
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 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 |
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