Amegy Bank® Elite Visa® Credit Card
- Annual fee
- $195
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Regular purchase APR
- 19.49% to 27.49% variable based on creditworthiness and the Prime Rate
At a glance
The Amegy Bank® Elite Visa® Credit Card markets itself as a mid-tier travel card that allows you to earn rewards at a faster rate. This is true in that it collects 3X points for dining and travel, with a higher base rate than most cards (at 1.5X points for other purchases). Add in the $100 yearly travel credit and Visa VIP perks and you might just make up for the annual fee this card throws at you.
Our review of the Amegy Bank® Elite Visa® Credit Card
The Amegy Bank Elite Visa Credit Card offers a middle ground of benefits between its sister cards, the Premier and the Reserve. With broader rewards on travel and dining expenses, as well as a substantial travel credit, this card aims to provide value for cardholders.
Cash Back or Points Toward Purchases
Unlike the Premier Visa, the Elite Visa Credit Card offers higher rewards for travel and dining expenses. Cardholders can earn 3 points per dollar on flights, car rentals, hotel rooms, and travel agency bookings, while earning 1.5x points on all other purchases. Additionally, new cardholders can earn a bonus of $300 cash back or 30,000 points by spending $5,000 in the first 90 days.
Balance Transfer APR Deals
The Elite Visa Credit Card offers a 0% introductory APR for balance transfers for 6 months, with no limit on fixed APR for transfers from other Zions Bancorporation accounts. This deal is available for customers of other Zions Bancorporation banks, such as California Bank & Trust and Vectra Bank Colorado.
Travel Credit vs Annual Fee
Cardholders receive up to $100 in statement credits annually for purchases in categories like airline tickets, hotel stays, and rental cars. The annual fee of $195 is partially offset by this travel credit, making the card more appealing for frequent travelers.
Visa® Elite Credit Card Features
The Elite Visa Credit Card offers travel insurance benefits, VIP Guest Status with the Visa Luxury Hotel Collection, and exclusive event access. Cardholders can enjoy perks like late checkout, complimentary breakfast, and dining credits at luxury hotels worldwide.
Should You Apply for the Amegy Bank® Elite Visa® Credit Card?
If you frequently stay at Visa Luxury properties and plan to use the travel credit for Global Entry or TSA PreCheck, the Elite Visa Credit Card may be a good fit for you. However, there are other travel rewards cards with similar benefits to explore. Consider comparing options like the American Express Green Card for a lower spending requirement and additional statement credits for LoungeBuddy and CLEAR membership.
*Browse Other Amegy Bank Credit Card Offers:* [Link to other Amegy Bank credit card offers]
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 3% cash or 3X points on dining and travel expenses
- Earn 1.5% cash or 1.5X points on all other expenses
- No foreign transactions fees
- $100 flexible travel credit
- $300 or 30,000 points when you spend $5,000 in the first 3 months
Who this card may suit
- You want to earn the most points on travel and dining, but also want the ability to redeem rewards toward any purchases regardless of category
- You will take advantage of the Visa benefits, like luxury hotel perks, to make up for the annual fee
- You're able to fulfill the $5,000 spending requirement in 3 months to earn bonus rewards
- You prefer to bank with a smaller, more local financial institutio
Rates, fees and terms
| Annual Fee | $195 |
|---|---|
| Regular Purchase APR | 19.49% to 27.49% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 6 months on transfers made within 60 days from account opening date |
| Balance Transfer APR | 19.49% to 29.49% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each transaction, whichever is greater |
| Cash Advance APR | 28.49% to 29.49% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each transaction, whichever is greater |
| Late Payment Penalty Fee | Up to $35 |
| Return Payment Penalty Fee | Up to $35 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Amegy Bank® Elite Visa® Credit Card
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