The bank offers different Regions Bank credit card options designed for various financial goals. This article explains the key features, rewards, and how to apply.
You’ll see what makes each card unique and who it’s best for. Use this guide to decide and apply with confidence.
Overview of Regions Bank Credit Cards
All cards include Visa protections and digital features like contactless payment and card controls. Here’s what you need to know before deciding.
Cash Rewards Visa® Signature
This card gives a flat cash back rate on every purchase, making it simple and reliable. You won’t need to track categories to earn rewards.
- Earn 1.5% unlimited cash rewards on all purchases, no matter where or how often you shop.
- There is no annual fee, which helps you save more money each year.
- Intro APR: 0% for 12 months, followed by a variable APR between 18.24% to 28.24% based on your credit.
- Intro offer: Receive a $200 bonus when you spend $1,000 in the first 90 days of account opening.
Prestige Visa® Signature
Prestige gives higher cash back for certain everyday categories like dining and gas. It rewards users who spend in specific areas consistently.
- Earn 3% back on dining and entertainment, 2% on gas and groceries, 1% on everything else.
- No annual fee.
- Intro APR: 0% for 12 months, then 17.24% to 27.24% variable APR.
- Intro offer: $200 bonus after spending $1,000 in 90 days.
- Earn up to 1% extra through Rewards Multiplier with eligible Regions bank accounts.
Life Visa® Credit Card
This card focuses on interest savings with a long 0% intro APR. It’s a strong option for managing or consolidating debt.
- Intro APR: 0% for an extended period (exact term varies).
- Low ongoing interest after intro period.
- No rewards program.
- No annual fee.
Explore Visa® Credit Card
Explore is the entry-level option if you need to build or rebuild your credit. It’s designed for responsible credit use and positive payment history.
- Reports to all three major credit bureaus.
- Helps build or repair credit history.
- No annual fee.
- Features include Visa protections and account tools.
Shared Features Across All Regions Cards
Every card includes Visa Signature benefits and digital controls. You also get contactless payment and security tools.
- Tap to pay using contactless chips.
- Regions LockIt® lets you block specific types of transactions.
- Travel & purchase protections include extended warranty and purchase security.
- Access to Visa Signature Concierge, auto rental collision waiver, and roadside dispatch.
How to Apply for a Regions Credit Card?
Regions makes it easy to apply online or in person. You’ll need your personal and financial details to complete the process.
Application Steps
Follow these steps to apply smoothly. Double-check your information before submitting.
- Visit www.regions.com and go to the credit card section.
- Choose your preferred card.
- Click “Apply Now” and enter your name, address, income, and SSN.
- Review your details and submit the form.
- Wait for a decision—some approvals are instant.
Eligibility Guidelines
To qualify, you must meet basic credit and income requirements. Certain cards are better suited for specific credit scores.
- Be at least 18 years old with a valid SSN.
- Provide proof of income and U.S. address.
- Cash Rewards and Prestige cards require good to excellent credit.
- Explore Visa may accept limited or fair credit.
Breakdown of Interest Rates and Fees
Understanding the fees and APRs helps you avoid surprises. Each card has similar baseline costs with slight differences in long-term rates.
- Intro APR: 0% for 12 months on Cash Rewards and Prestige (for purchases and balance transfers).
- Standard APR: Cash Rewards: 18.24% – 28.24%; Prestige: 17.24% – 27.24%.
- Cash Advance APR: 29.24% for both.
- Balance Transfer Fee: $10 or 4% of transfer (whichever is higher).
- Cash Advance Fee: $10 or 4% of the advance (whichever is higher).
- Late Payment Fee: Up to $39.
- Annual Fee: $0 for all cards.
Rewards and Redemption Options
Knowing how you earn and use rewards is key to maximizing value. Redemption flexibility also matters if you want cash or travel.
Cash Rewards Visa®
- Earn 1.5% unlimited cash back on every transaction.
- Redeem for statement credit, direct deposit, or paper check.
- No category limits or spending caps.
- Rewards don’t expire as long as your account stays active.
Prestige Visa®
- Earn tiered cash back: 3% dining, 2% gas/grocery, 1% everything else.
- Rewards are stored as Relationship Rewards points.
- Redeem for travel, gift cards, merchandise, or cash.
- Boost rewards by enrolling in Rewards Multiplier and linking Regions deposit accounts.
Key Benefits of Regions Credit Cards
These perks add extra value to each card. They’re included at no extra cost.
- Visa Zero Liability for unauthorized charges.
- Travel & Emergency Assistance 24/7.
- Emergency Card Replacement and Cash Disbursement.
- Purchase Security covers eligible lost or damaged items.
- Extended Warranty adds extra coverage on purchases.
- Auto Rental Collision Waiver and Roadside Dispatch for travel support.
Pros and Cons to Consider
Before you choose, weigh the strengths and limitations. Pick the card that aligns with how you spend and what you need.
Pros
- No annual fees across all cards.
- Generous intro offers with up to $200 in bonus cash.
- Strong cashback programs for frequent spenders.
- Travel protections and card control features.
Cons
- Prestige rewards require spending in specific categories.
- Cash advance and balance transfer fees can add up.
- Rewards Multiplier benefits require bank account relationships.
- No travel-specific reward programs for frequent flyers.
Contact Details for Regions Credit Card Support
Need help with your application or account? You can get support in several ways.
- Customer Service: Call 1-800-253-2265.
- Website: www.regions.com
- In-branch help: Use the branch locator on the website.
- Regions Mobile App: Manage your card, set alerts, and freeze your card.
Disclaimers: Read the fine print before applying for any Region Bank credit card. Rates and terms may change based on your credit profile and market conditions.
Final Thoughts: Choose What Fits Your Financial Life
Regions credit cards offer flexibility, rewards, and security. With no annual fee, you can earn cash back or manage interest.
Features like LockIt, travel benefits, and contactless pay add everyday convenience. Pick a card based on your goals, then apply online with confidence.
