Amegy Bank · Business

Amegy Bank AmaZing Cash

Highest earn rate in Travel at 2% effective value

The Amegy Bank AmaZing Cash from Amegy Bank earns up to 2% effective value on travel in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Get $1,000 when you spend $5,000 in the first 120 days.. Madeen compares this card against the cards you already carry — no bank login required.

Top category
Travel
Effective value
2%
Annual fee
$0

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Amegy Bank AmaZing Cash card art
Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-03
Data source Madeen catalog analysis

Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.

Madeen analysis

What does the Amegy Bank AmaZing Cash earn in each category?

Travel is the strongest category at 2% effective value (2% back). That travel rate ranks higher than about 66% of the 1,546 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Travel is the strongest category at 2% effective value (2% back). That travel rate ranks higher than about 66% of the 1,546 cards we track in that category.

Category Earn rate Effective value
Dining
Restaurants, cafes, takeout
1% back 1%
Grocery
Supermarkets and grocery stores
1% back 1%
Gas
Gas stations and fuel
1% back 1%
Travel
Flights, hotels, transit
2% back 2% Top category
Other
General everyday spend
1% back 1%

Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.

Reward rules

What are the Amegy Bank AmaZing Cash reward caps and conditions?

The Amegy Bank AmaZing Cash has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

  • Capped at $150000 per year.
Madeen take

Who should get the Amegy Bank AmaZing Cash?

The Amegy Bank AmaZing Cash fits spenders who put meaningful volume in travel and can earn 2% back. Best for spenders who put meaningful volume in travel and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.

Amegy Bank AmaZing Cash fits spenders who put meaningful volume in travel and can earn 2% back. Madeen ranks its travel effective rate higher than about 66% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.

Best for spenders who put meaningful volume in travel and can earn 2% back. The welcome bonus can help if you can meet the spend requirement.

Foreign transaction fees make it weaker for international spend.

Worth a look for travel spend if you need a business card and can use cash back the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Pros

  • Strongest Madeen category is travel at about 2% effective (2% back).
  • No annual fee in our catalog snapshot.
  • Welcome bonus may add value if you can meet spend requirements.

Cons

  • Charges $3 foreign transaction fees.
  • Business card — rewards and liability rules differ from consumer cards.
Fees and bonus

Does the Amegy Bank AmaZing Cash have an annual fee, and what's the welcome bonus?

The Amegy Bank AmaZing Cash has an annual fee of $0 and a foreign transaction fee of $3. New applicants may see: Get $1,000 when you spend $5,000 in the first 120 days.. Confirm current issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Annual fee
$0
Foreign transaction fee
$3
Signup bonus
Get $1,000 when you spend $5,000 in the first 120 days.
Benefits

What benefits come with the Amegy Bank AmaZing Cash?

The Amegy Bank AmaZing Cash includes Auto Rental Collision Damage Waiver, Booking.com, OpenTable in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

  • Auto Rental Collision Damage WaiverIncluded with Visa Traditional

    Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.

  • Booking.comIncluded with Visa Traditional

    Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.

  • OpenTableIncluded with Visa Traditional

    Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.

  • Purchase Security and Extended ProtectionIncluded with Visa Traditional

    Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.

  • Roadside Dispatch®Included with Visa Traditional

    This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.

  • Sofar SoundsIncluded with Visa Traditional

    Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.

  • Travel Accident Insurance

    When you purchase an airline ticket with your Card, you can receive $500,000 of accidental death and dismemberment coverage. But this coverage doesn’t just apply to air travel, it can also be in place when you’ve used your covered Agility Cash Card to purchase a ticket for other means of travel like a ferry, cruise ship, train, or bus.

  • Travel and Emergency Assistance ServicesIncluded with Visa Traditional

    When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.

Common questions about the Amegy Bank AmaZing Cash

Does the Amegy Bank AmaZing Cash have an annual fee?

The Amegy Bank AmaZing Cash carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

What category earns the most with the Amegy Bank AmaZing Cash?

Travel is the strongest Madeen category for the Amegy Bank AmaZing Cash at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Does the Amegy Bank AmaZing Cash charge foreign transaction fees?

The Amegy Bank AmaZing Cash charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

What is the Amegy Bank AmaZing Cash welcome bonus?

The Amegy Bank AmaZing Cash welcome offer in our snapshot: Get $1,000 when you spend $5,000 in the first 120 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

What credit score do you need for the Amegy Bank AmaZing Cash?

Madeen's catalog lists a typical credit range of Good to Excellent for the Amegy Bank AmaZing Cash. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

How do you redeem rewards on the Amegy Bank AmaZing Cash?

Rewards on the Amegy Bank AmaZing Cash post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.

Compare

How does the Amegy Bank AmaZing Cash compare to similar cards?

Compare the Amegy Bank AmaZing Cash against Amegy Bank AmaZing Rewards (2% on Travel, $0 fee); Amegy Bank Elite (3% on Dining, $195 fee); Amegy Bank Reserve (3% on Dining, $450 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.

CardTop categoryEffective valueAnnual fee
Amegy Bank AmaZing Cash
This card
Travel2%$0
Travel2%$0
Dining3%$195
Dining3%$450
Dining3%$0
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