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Issuer | Amegy Bank | America First Credit Union |
Card Type | Consumer | Consumer |
Rewards | 1.5 Points / $1 spent. Special Offer: Get $150 or 15,000 points when you spend $4,000 within the first 90 days. Earn 2.5% cash or 2.5X points on all travel purchases. Ideal for travelers. |
1 Cashback / $1 spent. Special Offer: Original is 1.5% but 0.5% is donated to local businesses. |
Credit Score | 720 - 850 | 690 - 719 |
Line of Credit | $500 - $50,000 | $500 - $50,000 |
Annual Fee | Intro $0, $95 after | Intro $0, $0 after |
APR | Intro 0%, 12.5% after | Intro 9.74%, 9.74% after |
Balance Transfer | Intro 0% for 6 months, 12.5% after | Intro 9.74% for 12 Months, 13.74% after |
Balance Transfer Fee | 3% | 3% |
Foreign Transaction Fee | 0% | 1% |
Cash Advance Fee | Min: $10, Max: 3% | Min: $10, Max: 3% |
Service Area | Addison, Dallas, Fort Worth, West Lake Hills, Irving, San Antonio, New Braunfels, Plano, Richardson, Montgomery, Magnolia, East Bernard | Albuquerque, American Fork, Boise, Bountiful, Brigham City, Caliente, Carson City, Cedar City, Centerville, City Creek, Clearfield, Clinton, Cottonwood Heights, Draper, Farmington, Harrisville, Heber, Henderson, Herriman, Holladay, Horizon, Hurricane, Hyr | Other Benefits* | Zero Liability Roadside Dispatch Lost or Stolen Card Reporting Emergency Card Replacement Emergency Cash Disbursement |
Zero Liability Roadside Dispatch Lost or Stolen Card Reporting Travel and Emergency Assistance Services Emergency Card Replacement Emergency Cash Disbursement Extended Warranty Protection Auto Rental Collision Damage Waiver Lost Luggage Reimbursement Global Entry Statement Credit Trip Delay Reimbursement Trip Cancellation / Trip Interruption Reimbursement Airline Incidental Fees Travel Accident Insurance Airport Lounge Access Baggage Delay Reimbursement Winemaker / Food Events Hotel Theft Protection Cell Phone Protection Emergency Medical / Dental Price Protection Emergency Evacuation Return Protection Purchase Security |