50,000 Points
Worth $500
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 3%Dining
- 3%Travel
- 2%Everywhere
Annual Fee
$450
Rec. Credit
Excellent
Amegy Bank
Amegy Vivid Rewards
The Amegy Vivid Rewards is built for cardholders who spend heavily on everyday going-out categories like dining, gas, transit, streaming, and entertainment, and want straightforward rewards without an annual fee. It works best as a simple lifestyle spending card rather than a primary card for every purchase.
Annual Fee
$0
Rec. Credit Score
Good
Good For
Everyday lifestyle spending
All information about Amegy Vivid Rewards has been collected independently by MaxRewards. Amegy Vivid Rewards is no longer available through MaxRewards.
Is the Amegy Vivid Rewards worth it?
This card is great for...
Dining and takeout
Gas and commuting
Streaming and entertainment
This card is worth a look if a big share of your monthly spending falls into its 3% categories and you want to avoid an annual fee. Dining, gas, transit, streaming, and entertainment cover a lot of common purchases, so the card can fit well for someone with a fairly routine spending pattern who prefers simple rewards over travel perks or rotating categories.
The tradeoff is that its value drops outside those bonus categories. With 1% back on everything else and no listed benefits to add extra value, it is not the strongest one-card setup for broad everyday spending. It makes more sense as a focused card for specific categories, or for someone who wants uncomplicated rewards and does not care about premium perks, credits, or a welcome bonus.
MaxRewards Verdict
The Amegy Vivid Rewards fits best for no-fee cardholders who spend consistently on dining, gas, transit, streaming, and entertainment. If most of your spending happens outside those categories, a flatter and more versatile rewards card will likely serve you better.
Rewards
Rewards percent based on a valuation of 1¢ per Amegy Rewards point
Amegy Rewards points are worth 1 cent each here, so the earning structure is easy to read as cash-back value. The key question is whether your regular spending lines up well enough with the card's 3% categories to make it a useful everyday companion.
CategoryEst. yearly spendRateRewards
Dining
Est. yearly spend
Rate3%
Rewards$0$0
Entertainment
Est. yearly spend
Rate3%
Rewards$0$0
Gas
Est. yearly spend
Rate3%
Rewards$0$0
Streaming
Est. yearly spend
Rate3%
Rewards$0$0
Transit
Est. yearly spend
Rate3%
Rewards$0$0
Everywhere
Est. yearly spend
Rate1%
Rewards$0$0
Est. Annual Rewards
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Rates & Fees
Annual Fee
$0
Purchase APR
17.50% - 29.50%
Variable
Transfer APR
17.50% - 29.50%
Variable
Foreign Transaction Fee
None
Balance Transfer
$5
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Amegy Bank
30,000 Points
Worth $300
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 3%Dining
- 3%Travel
- 1.5%Everywhere
Annual Fee
$195
Rec. Credit
Excellent
15,000 Points
Worth $150
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
- 2.5%Travel
- 1.5%Everywhere
Annual Fee
$95
Rec. Credit
Excellent