Amegy Elite

This card makes the most sense for someone who values simplicity over extras. You get 3x points on dining and travel, 1.5x points everywhere else, and points are valued at about 1 cent each, so the rewards are easy to understand. If you want one card that covers a lot of purchases reasonably well and you are comfortable paying a $195 annual fee, it can be a workable fit.

For most readers, though, the annual fee is the key issue. With no listed statement credits, lounge access, travel protections, or other notable perks to help offset that cost, you are relying heavily on spending alone to justify keeping the card. That makes it a tougher recommendation unless you strongly prefer this bank relationship or expect to put enough dining, travel, and general spend on the card to out-earn lower-fee alternatives.