topic Re: Amegy Reserve card in Credit Cards

Amegy Reserve card

woodyman100 — Fri, 22 Feb 2019 19:27:00 GMT

Amegy (and other Zion entities I presume) has three levels of higher end travel cards.

-Premier

-Elite

-Reserve

The Reserve is the one i'm interested in.

Barring the bonus, I am still attracted to the card.

The spend is doable and the AF is an easy pay with the Travel Credits.

**bleep** good looking card as well!

The big rubber stamp is the 2% cash on non category spend.

This could pry my daily spend away from the CSR

Anyone else want to chime in....?

Get $500 or 50,000 points when you spend $5,000 within the first 90 days2
Earn 3% cash or 3X points on all Travel & Dining purchases5
Earn 2% cash or 2X points on everything else5
$250 annual travel credit3
No blackout dates or restrictions on redemption
Complimentary Priority Pass Select Lounge Access4
$450 Annual Fee; $50 for each additional user

Opt to earn cash back, or choose points and repay yourself for any purchases made in the last

Re: Amegy Reserve card

FinStar — Fri, 22 Feb 2019 19:20:40 GMT

How do you like the one that you were approved for last year? I was interested in them but they appear to be (TX) geo-restricted (unless I overlooked something).

But, yeah those are pretty decent offerings, especially the Reserve tier 😜

Oh, and congrats on the biz version approval btw!

Re: Amegy Reserve card

woodyman100 — Fri, 22 Feb 2019 19:36:33 GMT

@Finstar

Amegy is my new second wife for now😂

I’m having to get creative to satisfy my hobby.

Amegy is part of Zion Bancorp which has entities by different names throughout the west.

Most have essentially the Same products with slightly different names.

I think i’m Going to give this a couple of months and then go for it

Re: Amegy Reserve card

Shadowfactor — Fri, 22 Feb 2019 19:53:33 GMT

The card looks very blah and expensive for having a $450 annual fee. I suppose if the bonus is the deciding reason It would be okay for a year.

Compared to Citi's Double Cash card at 2% for $0 AF. You are basically paying $200 a year for an extra precent on travel/dining spend. That's $20,000 in travel/dining just to offset the annual fee 😮

There's Penfed that pays YOU a $100 a year to have the card, which earns 3X on travel.

Plenty of other card options out there that don't have a $200 net annual fee and offer the same rewards as this card.......

Out of curiousity what exactly interests you in this card ??

Re: Amegy Reserve card

Anonymous — Fri, 22 Feb 2019 19:54:16 GMT

The points are just equivalent to cash back, right? No transfer or anything?

If so, not that sure of the attraction! Two cards, such as a free 2% and the Uber will give everything but lounge access at $200 less. (Well, looks like there is an annual bonus as well). And the CSR+CFU gives similar or better functionality (when UR redeemed for travel) at a lower cost. What am I missing?

ETA: shadowfactor beat me to it!

Re: Amegy Reserve card

woodyman100 — Fri, 22 Feb 2019 22:38:19 GMT

@Shadowfactor

because I want it.

Hot girls aren’t exactly the best choice financially either, but they have suitors lined up

Re: Amegy Reserve card

Anonymous — Fri, 22 Feb 2019 19:55:42 GMT

@woodyman100 wrote:
@shadowfactor
because I want it.
Hot girls with huge “Assets” aren’t exactly the best choice financially either, but they have suitors lined up

Oh, you are interested because you want it! That clears that up....

Re: Amegy Reserve card

woodyman100 — Fri, 22 Feb 2019 20:28:20 GMT

@Anonymous wrote:
The points are just equivalent to cash back, right? No transfer or anything?

If so, not that sure of the attraction! Two cards, such as a free 2% and the Uber will give everything but lounge access at $200 less. (Well, looks like there is an annual bonus as well). And the CSR+CFU gives similar or better functionality (when UR redeemed for travel) at a lower cost. What am I missing?

ETA: shadowfactor beat me to it!

You are correct on the transfer partner options being a huge mark in favor of the CSR. However the Trifecta doesn’t apply to me anymore. Neither DW or myself are eligible for Freedom or FU because of 5/24

Nowadays, I have so many cards that I simply use the card that I utilize as my FOTM.

interesting to hear everone’s Evaluation of this card though

Re: Amegy Reserve card

galahad15 — Fri, 22 Feb 2019 20:48:17 GMT

OP: couldn't help noticing from your signature that you have the FNBO Travelite card. Since the Travelite also has 3% cashback on travel purchases plus the annual $100 travel incidentals credit, all with no AF, couldn't you still potentially come out ahead with the Travelite, without having to app for the Amegy Reserve card? Granted, the Travelite card doesn't come with the complimentary lounge access feature and provides 1.5% on all other non-travel purchases vs. the Amegy's 2% on all other purchases, but with the Amegy's AF minus the $250 travel credit, wouldn't the Amegy's AF eat into the 2% cashback on other purchases that you'd be getting anyway regardless, etc.?

Re: Amegy Reserve card

woodyman100 — Fri, 22 Feb 2019 20:58:23 GMT

@galahad15 wrote:
OP: couldn't help noticing from your signature that you have the FNBO Travelite card. Since the Travelite also has 3% cashback on travel purchases plus the annual $100 travel incidentals credit, all with no AF, couldn't you still potentially come out ahead with the Travelite, without having to app for the Amegy Reserve card? Granted, the Travelite card doesn't come with the complimentary lounge access feature and provides 1.5% on all other non-travel purchases vs. the Amegy's 2% on all other purchases, but with the Amegy's AF minus the $250 travel credit, wouldn't the Amegy's AF eat into the 2% cashback on other purchases that you'd be getting anyway regardless, etc.?

Between my wife and I we have almost 50 cards. We could go insane trying to maximize rewards between all of our cards.

i could just use a no AF 2% card for everything and probably be just as even with a lot less headaches.

I’m at a point in my life where the AF is not a deal breaker.

Re: Amegy Reserve card

Anonymous — Fri, 22 Feb 2019 22:03:39 GMT

I was going to mock you for wanting a Zions Bank card. I believe this may be the first I have heard of Zion's here. But then I checked my local Zion's owned bank, Vectra Bank Colorado and they have the same card. Looks are subjective, but I think its pretty s#xy.

~~Have you done the math to see what the break even point would be? Meaning $450 AF - $250 travel credit = $200 AF; what point would it take to make the card really useful?~~

~~We need TPG or Ask Sebby to figure that out for us LOL.~~

ETA never mind, I saw others' responses.

Re: Amegy Reserve card

Remedios — Fri, 22 Feb 2019 23:04:51 GMT

@woodyman100 wrote:
@Shadowfactor
because I want it.
Hot girls aren’t exactly the best choice financially either, but they have suitors lined up

I have no idea how I get anything else done after managing my lines.

It's as if these men with salty tears dont know any better.

Weird. Very weird.

Re: Amegy Reserve card

AverageJoesCredit — Fri, 22 Feb 2019 23:20:54 GMT

Woody, you da Man . Dont know nuttin bout what rewards are best for ya but you get what makes ya happy Still rocking the Banco De Brazil card in siggy Good times Live the @Gmood1 lifestyle.

Re: Amegy Reserve card

JR_TX — Fri, 22 Feb 2019 23:52:08 GMT

Ohh that eternal lust and unquenchable thirst and hunger that drive men to pursue and objectify these cards and it’s bountiful and curvy perks....

Love it!!!!

Re: Amegy Reserve card

woodyman100 — Sat, 23 Feb 2019 00:44:40 GMT

@Remedios wrote:
@woodyman100 wrote:
@Shadowfactor
because I want it.
Hot girls aren’t exactly the best choice financially either, but they have suitors lined up

I have no idea how I get anything else done after managing my lines.
It's as if these men with salty tears dont know any better.
Weird. Very weird.

😂😂😂😂😂😂😂😂😂wait...🧐

Re: Amegy Reserve card

Remedios — Sat, 23 Feb 2019 00:45:01 GMT

@JR_TX wrote:
Ohh that eternal lust and unquenchable thirst and hunger that drive men to pursue and objectify these cards and it’s bountiful and curvy perks....

Love it!!!!

I wonder how many rebuilding stories started with that sentence

Re: Amegy Reserve card

Remedios — Sat, 23 Feb 2019 00:45:57 GMT

@woodyman100 wrote:
@Remedios wrote:
@woodyman100 wrote:
@Shadowfactor
because I want it.
Hot girls aren’t exactly the best choice financially either, but they have suitors lined up

I have no idea how I get anything else done after managing my lines.
It's as if these men with salty tears dont know any better.
Weird. Very weird.

😂😂😂😂😂😂😂😂😂wait...🧐

No, you wait....in line 😂😂😂

Re: Amegy Reserve card

woodyman100 — Sat, 23 Feb 2019 00:47:33 GMT

@Anonymous wrote:
I was going to mock you for wanting a Zions Bank card. I believe this may be the first I have heard of Zion's here. But then I checked my local Zion's owned bank, Vectra Bank Colorado and they have the same card. Looks are subjective, but I think its pretty s#xy.

~~Have you done the math to see what the break even point would be? Meaning $450 AF - $250 travel credit = $200 AF; what point would it take to make the card really useful?~~

~~We need TPG or Ask Sebby to figure that out for us LOL.~~

ETA never mind, I saw others' responses.

@Themanwhocan was the resident genius on these things.

I haven’t seen him around in quite awhile.