Ameris Bank Visa® College Real Rewards
Ameris Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Ameris Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Ameris Bank Visa® College Real Rewards from Ameris Bank earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings..
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5x points. The welcome bonus can help if you can meet the spend requirement.
What does the Ameris Bank Visa College Real Rewards earn in each category?
Dining is the strongest category at 1.5% effective value (1.5x points at about 1 cents each). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Ameris Bank Visa College Real Rewards compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (1.5x points at about 1 cents each). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Ameris Bank Visa College Real Rewards compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5x points | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.5% |
| Gas Gas stations and fuel | 1.5x points | 1.5% |
| Travel Flights, hotels, transit | 1.5x points | 1.5% |
| Other General everyday spend | 1.5x points | 1.5% |
Madeen values Elan Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Ameris Bank Visa College Real Rewards?
The Ameris Bank Visa College Real Rewards fits spenders who put meaningful volume in dining and can earn 1.5x points. Best for spenders who put meaningful volume in dining and can earn 1.5x points. The welcome bonus can help if you can meet the spend requirement.
Ameris Bank Visa College Real Rewards fits spenders who put meaningful volume in dining and can earn 1.5x points. Madeen ranks its dining effective rate higher than about 35% 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 dining and can earn 1.5x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5x points).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- Elan Rewards value depends on how you redeem, not straight cash back.
What is the Ameris Bank Visa College Real Rewards welcome bonus?
In Madeen's catalog snapshot, the Ameris Bank Visa College Real Rewards welcome offer is 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 2.5 Elan Rewards (~$25 estimated)
- Terms (catalog snapshot)
- 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.
Does the Ameris Bank Visa College Real Rewards have an annual fee?
The Ameris Bank Visa College Real Rewards has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
Related encyclopedia topics
Common questions about the Ameris Bank Visa College Real Rewards
How much is 25,000 points worth at bank of America?
Dining is the strongest Madeen category for the Ameris Bank Visa College Real Rewards at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Ameris Bank Visa College Real Rewards have an annual fee?
The Ameris Bank Visa College Real Rewards 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.
What category earns the most with the Ameris Bank Visa College Real Rewards?
Dining is the strongest Madeen category for the Ameris Bank Visa College Real Rewards at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Ameris Bank Visa College Real Rewards charge foreign transaction fees?
The Ameris Bank Visa College Real Rewards charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the Ameris Bank Visa College Real Rewards welcome bonus?
The Ameris Bank Visa College Real Rewards welcome offer in our snapshot: 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Ameris Bank Visa College Real Rewards?
Madeen's catalog lists a typical credit range of No Credit History / Rebuilding for the Ameris Bank Visa College Real Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Ameris Bank Visa College Real Rewards compare to similar cards?
Compare the Ameris Bank Visa College Real Rewards against Ameris Bank Visa Everyday Rewards+ (4% on Dining, $0 fee); Ameris Bank Visa Business Cash Preferred (3% on Dining, $0 fee); Ameris Bank Visa Reserve Rewards+ Card (2% on Dining, $390 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Ameris Bank Visa College Real Rewards This card | Dining | 1.5% | $0 |
Ameris Bank | Dining | 4% | $0 |
Ameris Bank | Dining | 3% | $0 |
Ameris Bank | Dining | 2% | $390 |
Ameris Bank | Dining | 1.5% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Ameris Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Ameris Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure