Amegy Bank® Reserve Visa® Credit Card
- Annual fee
- $450
- Recommended credit
- Excellent
- Card network
- Visa
- Regular purchase APR
- 19.49% to 29.49% variable based on creditworthiness and the Prime Rate
At a glance
The Amegy Bank® Reserve Visa® Credit Card is a high-end travel card that knows how to deliver. If you’re up to the $450 minimum annual fee, you’ll unlock the highest level of rewards this bank has to offer, as well as a generous $250 annual travel credit and complimentary lounge access for the whole (cardholder) family, worth upwards of $260 per person.
Our review of the Amegy Bank® Reserve Visa® Credit Card
Unlock the Value of the Amegy Bank Reserve Visa Credit Card
The Amegy Bank Reserve Visa Credit Card offers a treasure trove of benefits that set it apart from its sister cards, the Premier and the Elite. With 3X and 2X points on your expenses, a generous travel credit, and complimentary lounge access for up to 4 cardholders, this card is a must-have for those who prioritize luxury and convenience while traveling.
Point Earnings and Rewards
One of the standout features of the Reserve Credit Card is its impressive rewards rate. Unlike most rewards cards that offer a base rate of 1X point per dollar on uncategorized purchases, this card offers a minimum of 2X points. Additionally, travel and dining expenses earn 3X points per dollar spent, including airfare, hotel rooms, and car rentals.
If you can spend at least $5,000 in the first 90 days from account opening, you can earn either 50,000 points or $500 cash back. You can redeem your rewards for cash back or use them to pay for recent purchases made with the card, giving you flexibility in how you use your points.
Maximizing the Value of the Annual Fee
While the Amegy Bank Reserve Card comes with a hefty annual fee of $450, adding a spouse or family member to the account for an additional $50 can help offset the cost. By sharing the annual fee and maximizing the rewards, you can make the most of this card’s benefits.
Utilizing the travel credit, complimentary lounge access, and Visa features can also help you get the full value of the card and offset the annual fee.
Flexible Travel Credit and Visa Travel Protections
The card’s $250 annual travel credit is more flexible than credits offered by similar cards, allowing you to use it for a variety of travel expenses. Additionally, the card comes with travel insurance to cover mishaps during your trip, as well as VIP Guest Status with the Visa Luxury Hotel Collection.
Complimentary Lounge Access
Cardholders receive complimentary/discounted Priority Pass Select Lounge access, with up to 5 free visits per year per cardholder. Additional cardholders on the account can also receive free memberships, making this card a great option for frequent travelers.
Is the Amegy Bank Reserve Visa Credit Card Right for You?
The Amegy Bank Reserve Card is ideal for frequent travelers who can maximize the benefits by adding additional cardholders to the account. With its generous rewards, travel credit, and complimentary lounge access, this card offers great value for those who prioritize luxury and convenience while traveling. If you’re still unsure, consider other Amegy Bank credit card offers or comparable options like the American Express Gold Card.
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 travel and dining
- Earn 2% cash or 2X points on all other expenses
- Get a $250 flexible travel credit Receive complimentary lounge access
- No foreign transaction fees"
Who this card may suit
- You prefer to have a travel rewards card from a local bank
- You want to earn no less than 2X points on purchases, regardless of the category
- You can spend $5,000 in the first 90 days to earn $500 in bonus rewards
- You will cash in the travel credit and complimentary Priority Pass lounge access to offset the hefty annual fee
Rates, fees and terms
| Annual Fee | $450 |
|---|---|
| Regular Purchase APR | 19.49% to 29.49% 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.
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Amegy Bank® Reserve Visa® Credit Card
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