The amaze holding company credit card is a popular rewards credit card that offers lucrative rewards on everyday purchases. With no annual fee, this card can provide great value for frequent spenders looking to earn rewards. In this review, we’ll take an in-depth look at the key features, rewards, and benefits of the amaze holding company credit card to see if it’s the right card for you.
Overview of the Amaze Holding Company Credit Card
The amaze holding company credit card is issued by Amaze Bank and runs on the VISA network. It has no annual fee and offers a competitive rewards program, especially for a no-fee card. Here are some of the main highlights:
- Earn 3% cash back on dining, 2% at grocery stores, and 1% on other purchases
- $150 cash back bonus after spending $500 in first 3 months
- 0% intro APR on purchases and balance transfers for 15 months
- No annual fee
- No foreign transaction fees
The card provides strong earnings in popular spending categories like dining and groceries. The introductory 0% Annual Percentage Rate (APR) offer can also save you money on interest if you have a balance to pay down. With no annual fee, the card can provide solid ongoing value after the initial bonus offer.
Earning Rewards with the Amaze Holding Credit Card
The amaze holding credit card offers 3-2-1% cash back on purchases:
- 3% cash back restaurants, including cafes, bars, lounges, and fast food chains
- 2% cash back grocery stores, supermarkets, and warehouse clubs
- 1% cash back on all other purchases
There is no limit to the amount of cash back you can earn. Rewards don’t expire as long as your account remains open.
New cardholders can earn a $150 cash-back bonus after spending $500 on purchases within the first 3 months. This provides a solid return, especially for a no-fee card.
The amaze holding credit card makes it easy to maximize rewards in categories like dining and groceries where regular expenses can quickly add up. The 3% and 2% cash-back rates are very competitive, providing up to $6 back for every $200 spent.
Redeeming Rewards
You can redeem earned cash back as a statement credit or deposit into a bank account anytime your balance is $25 or more. This provides flexibility in using rewards.
For the best value, you’ll want to redeem cash back for statement credits to offset purchases made with the card. This essentially gives you 3% or 2% back on those redemptions.
You can also let rewards accumulate for bigger redemptions. Just keep in mind cash back doesn’t earn interest so it’s better to redeem periodically.
Benefits and Features
The amaze credit card comes with a few additional benefits and features:
Introductory 0% APR offer: 0% APR on purchases and balance transfers for 15 months from account opening. This can save you money on interest if you have a balance to pay down.
Travel and emergency assistance services: Get help coordinating medical, legal, travel, or other emergency assistance when you’re on a trip 100+ miles from home.
Zero fraud liability: You won’t be held responsible for any unauthorized charges made with your card or account information.
Online account access: View your account activity, make payments, and set up alerts through the online account portal or mobile app.
Visa benefits: Get perks like extended warranty protection, auto rental insurance, roadside dispatch, and more with the Visa card.
While the card doesn’t offer too many extra perks, the 0% intro APR period can provide significant savings. Core benefits like zero fraud liability are table stakes for any good credit card nowadays.
How the Amaze Holding Credit Card Compares
The amaze holding credit card offers a straightforward cash-back rewards program suitable for frequent spending in categories like dining and grocery shopping. Here’s how it compares to some other popular no-annual fee cash-back cards:
Wells Fargo Active Cash Card – Also earns 2% cash back on dining and groceries. Plus 1.5% back on all other purchases. $200 sign-up bonus.
Chase Freedom Unlimited – Earns 1.5% back on all purchases. $200 bonus after spending $500 in the first 3 months.
Citi Double Cash – Earns 2% back on all purchases – 1% when you buy, 1% when you pay your bill. No sign-up bonus.
The amaze holding card provides higher 3% and 2% cash back rates in key categories. The Wells Fargo Active Cash is comparable but has a lower 1% base rate. The Citi Double Cash and Chase Freedom Unlimited earn 1.5-2% back on all purchases.
So the amaze holding card can earn more rewards in categories like dining and groceries. The broad 2% cash back from the Citi or Wells Fargo cards provides more flexibility if you spend more evenly.
Who the Amaze Holding Credit Card is Best For
The amaze-holding credit card is best suited for consumers who frequently dine out and shop at grocery stores. You’ll be able to maximize the 3% and 2% cash-back rates with this spending pattern. The card can be especially attractive for larger households with significant grocery expenses.
It’s also a solid choice for someone looking for an easy-to-use, no-annual fee cash-back card. The rewards don’t require complex point valuations – just simple 1-3% cash back. If you just want a basic cash-back card for everyday spending, the amaze holding card is a good option.
The card may not be as appealing if you’re someone who spends more heavily in other categories like gas, travel, or streaming services. A flat-rate cash-back card could earn you more rewards. But overall, the amaze holding credit card is a great addition for anyone looking to earn above-average rewards on dining and grocery purchases.
Is the Amaze Holding Credit Card Right for You?
The amaze holding credit card can be a good option if you:
- Frequently dine out and want to earn 3% back
- Shop regularly at grocery stores and want to earn 2% back
- Prefer simple cash-back rewards to complex travel points
- Want a card with no annual fee
- Can spend $500 in the first 3 months to earn the sign-up bonus
The card may not be the best choice if:
- You don’t spend heavily on dining or groceries
- Do you want bonus categories like gas, streaming, or travel
- You prefer flexible travel rewards over cash back
- You want luxury perks like airport lounge access
Overall, the amaze holding credit card provides a compelling combo of rewards and features. It can provide significant value if your spending aligns with the bonus categories. Make sure to also consider your other credit card options to find the best fit for your wallet.
Frequently Asked Questions
What is the amaze holding company credit card?
The amaze holding company credit card is a cashback rewards credit card issued by Amaze Bank. It offers 3% cash back on dining purchases, 2% at grocery stores, and 1% on all other purchases. There is no annual fee for the card.
What credit score is needed for the amaze-holding credit card?
You will generally need a good to excellent credit score (690 score or higher) to qualify for the amaze holding credit card. Having fair credit (in the 600s) may still be approved but lower credit scores can impact your chances.
Does the amaze-holding credit card have an annual fee?
No, there is no annual fee to have the amaze holding credit card, which is one of its major benefits.
What are the rewards rates on the amaze holding card?
You’ll earn 3% cash back at restaurants, 2% at grocery stores, and 1% on all other eligible purchases.
Are there any foreign transaction fees?
No, the amaze holding credit card does not charge foreign transaction fees on purchases made outside the U.S.
Can you product change to the amaze holding card from another card?
Yes, you may be able to product change from another credit card issued by Amaze Bank to the amaze holding version if you want to switch to this card’s rewards structure. Contact the issuer to discuss product change options.
How do I redeem rewards with the amaze holding credit card?
You can redeem cashback rewards as a statement credit or direct deposit into a bank account. The minimum redemption is $25.
Are there any travel benefits with this card?
The amaze holding card does not directly offer travel benefits like lounge access or airline credits. But you can redeem cash back for travel purchases if you choose. It also has basic Visa travel protections (like auto rental coverage) that apply when booking travel on the card.
Conclusion
The amaze holding company credit card can provide solid cashback rewards value with its 3% back on dining and 2% at grocery stores. The $150 sign-up bonus after $500 in spend is also notable for a no-annual-fee card. If you frequently dine out and shop for groceries, the amaze holding card can maximize your rewards potential on everyday spending. Just make sure to pay your bill on time and in full each month. Overall, it’s a great option for anyone looking for a cashback card with no annual fee and bonuses on frequent spending categories.
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