Amegy Bank® Premier Visa® Credit Card
- Annual fee
- $0 for the first 12 months. After that, $95.
- 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® Premier Visa® Credit Card lassos up no less than 1.5 points per dollar on all purchases – not to mention the 2.5-point boost for expenses related to travel. Yet it’s still tough for this card to make up for its annual fee, despite the introductory bonus and Visa benefits.
Our review of the Amegy Bank® Premier Visa® Credit Card
If you’re in Texas and looking for a credit card with rewards, the Premier Credit Card from Amegy Bank may be worth considering. This card offers modest rewards on all purchases, with extra points on travel expenses and a signup bonus.
Earn Points on Every Purchase
With the Amegy Bank Premier Credit Card, you can earn at least 1.5X points on all purchases, and 2.5X points on various travel expenses, including those made with travel agencies, hotels, airlines, and more.
Signup Bonus
New cardholders can earn a bonus of 15,000 points (equivalent to $150) by spending $4,000 within the first 90 days of account opening. While the spending requirement is high, the bonus can be rewarding for frequent spenders.
Limited Reward Redemption
Points earned with this card can be redeemed for cash or reimbursement for recent purchases. While there is no cap on points earned, there are limitations to how you can use them.
Balance Transfer Features
The Premier Credit Card also offers a 0% intro APR on balance transfers made within the first 60 days. Transferring a balance from another Zions Bancorp bank may qualify for a fixed APR of 7%.
Annual Fee vs Visa Signature Perks
While the card has a $95 annual fee (waived for the first year), it comes with Visa Signature perks like travel cancellation insurance, VIP status, and access to exclusive events. These perks can help offset the annual fee for frequent travelers.
Is the Amegy Bank® Premier Visa® Credit Card Right for You?
If you value travel rewards and VIP perks, the Premier Credit Card from Amegy Bank may be a good fit. However, if the annual fee is a concern, there are alternative cards to consider with higher rewards rates and lower fees.
Apply for the Amegy Bank Premier Credit Card to start earning rewards on your purchases and enjoy travel benefits with Visa Signature perks.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 2.5% cash or 2.5X points on travel purchases, from flights to car rentals
- Earn 1.5% cash or 1.5X points on all other expenses
- No foreign transaction fees
- 0% introductory APR on balance transfers made in the first 60 days
- 7% fixed APR on balance transfers from other Zions Bancorporation accounts
- Annual fee waived the first year
Who this card may suit
- You want to earn at least 1.5x points on all purchases
- You can spend $4,000 in the first 90 days to earn 15,000 bonus points
- You're comfortable paying an annual fee for a simple travel rewards card
- You have a balance to transfer to take advantage of the 0% balance transfer intro APR for 6 months
Rates, fees and terms
| Annual Fee | $0 for the first 12 months. After that, $95. |
|---|---|
| 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 90 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® Premier Visa® Credit Card
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