Regions Credit Cards

We found 6 Regions credit cards. Read on to get more insights.

By Hanna Volkava
Updated March 01, 2024

Best Credit Cards in March 2024

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Regions Cash Rewards Visa® Signature
Annual fee:
$0
Regular APR:
19.24% - 29.24% Variable
Our Rating:
3.95
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 1.5% Cash Back on all purchases.
  • Intro Offer:
    • $200 You can earn $100 in bonus Cash Rewards when your net purchases in the first 90 days total at least $500, and an additional $100 in bonus Cash Rewards when those net purchases total at least $1,000.
  • Purchase Intro APR:
    0% Intro APR for 12 months on purchases that post in the same period
  • Balance Transfer APR:
    19.24% - 29.24% Variable
  • Issuer name:
    Regions
  • Details:

    Earn 1.5% Cash Back on every purchase with your Cash Rewards Visa® Signature Credit Card.

    You can earn $100 in bonus Cash Rewards when your net purchases in the first 90 days total at least $500, and an additional $100 in bonus Cash Rewards when those net purchases total at least $1,000.

    The Card offers a 0% intro APR period for 12 months on purchases that post in the same period and on balance transfers that post within 60 days of account opening. After that, a variable APR between 19.24% - 29.24% based on your creditworthiness.

    The Cash Rewards Visa® Signature Card doesn't charge an annual fee.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
    • Intro APR period
  • Cons:
    • Extra Fees
  • Benefits:
    • Up to $200 in bonus Cash Rewards;
    • 1.5% Cash Back on all purchases;
    • Visa Zero Liability Policy.
Card detail
Regions Explore Visa®
Annual fee:
$29 annually
Regular APR:
28.24% Variable
Our Rating:
1.84
scorer
Credit score
No Credit History to Poor (0-579)
  • Balance Transfer APR:
    28.24% Variable
  • Issuer name:
    Regions
  • Details:

    The Explore Visa® Credit Card is a secured card designed for building or rebuilding credit.

    The Annual Fee is $29 annually.

    The Card's APR: 28.24% Variable for purchases and balance transfers.

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • Annual Fee
    • High APR
    • No Intro APR period
    • No rewards
  • Benefits:
    • Zero Liability Policy;
    • Regions LockIt®;
    • Refundable Security Deposit;
    • Mobile Pay;
    • Travel & Emergency Assistance;
    • Auto Rental Collision Damage Waiver.
Card detail
Regions Prestige Visa® Signature
Annual fee:
$0
Regular APR:
18.24% - 28.24% Variable
Our Rating:
4.57
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 3x Relationship Rewards points per $1 spent on dining and entertainment purchases.
    • 2x Points on gas and groceries.
    • 1x Point on all other purchases.
  • Intro Offer:
    • 20,000x You can earn 10,000 bonus points, which can be redeemed for travel, merchandise, gifts cards or $100 cash when your net purchases made in the first 90 days total $500 or more. When those net purchases total at least $1,000, you'll earn an additional 10,000 bonus points.
  • Purchase Intro APR:
    0% Introductory APR for 12 months on purchases that post in the same period
  • Balance Transfer APR:
    18.24% - 28.24% Variable
  • Issuer name:
    Regions
  • Details:

    The Prestige Visa® Signature Credit Card earns 3x points per $1 spent on dining and entertainment purchases, 2x points per $1 spent on gas and grocery store purchases and 1x point per $1 spend on all other purchases.

    You can also earn 10,000 bonus points, which can be redeemed for travel, merchandise, gifts cards or $100 cash when your net purchases made in the first 90 days total $500 or more. When those net purchases total at least $1,000, you'll earn an additional 10,000 bonus points.

    The Prestige Visa® Signature Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 12 months on purchases that post in the same period and on balance transfers that post within 60 days of account opening. After that, a variable APR between 18.24% - 28.24% based on your creditworthiness.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • Points expire after 36 months
  • Benefits:
    • Up to 20,000 in bonus points;
    • 3x points per $1 spent on dining and entertainment purchases;
    • 2x points per $1 spent on gas and grocery store purchases;
    • 1x point per $1 spend on all other purchases;
    • Visa Zero Liability Policy;
    • Regions LockIt®.
Card detail
Regions Visa® Business Enhanced
Annual fee:
$0
Regular APR:
17.74% - 27.74% Variable
Our Rating:
2.9
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 1x Point for each $1 spent on qualifying purchases.
  • Purchase Intro APR:
    0% Introductory APR for 6 months
  • Balance Transfer APR:
    17.74% - 27.74% Variable
  • Issuer name:
    Regions
  • Details:

    The Regions Visa® Business Enhanced Credit Card comes with no annual fee and allows your business to earn Regions Relationship Rewards on qualifying purchases.

    The Card has a 0% introductory APR period for 6 months on purchases. After that, the variable APR is 17.74% - 27.74%.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • Foreign Transaction Fee
  • Benefits:
    • 1x point for each $1 spent on qualifying purchases;
    • Visa SavingsEdge.
Card detail
Regions Life Visa®
Annual fee:
$0
Regular APR:
17.24% - 27.24% Variable
Our Rating:
3.27
scorer
Credit score
Excellent (740-799)
  • Purchase Intro APR:
    0% Introductory APR for 15 Months
  • Balance Transfer APR:
    17.24% - 27.24% Variable
  • Issuer name:
    Regions
  • Details:

    The Regions Life Visa® Credit Card doesn't charge an annual fee.

    The Card has a 0% introductory APR period for 15 months on purchases and balance transfers. After that, the variable APR is 17.24% - 27.24%.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
    • Intro APR period
  • Cons:
    • No rewards
  • Benefits:
    • Zero Liability Policy;
    • Travel & Emergency Assistance;
    • Auto Rental Collision Damage Waiver;
    • Extended Warranty Protection;
    • Regions LockIt®.
Card detail
Regions Visa® Business
Annual fee:
$0
Regular APR:
15.74% - 25.74% Variable
Our Rating:
2.7
scorer
Credit score
Excellent (740-799)
  • Purchase Intro APR:
    0% Introductory APR for 6 months
  • Balance Transfer APR:
    15.74% - 25.74% Variable
  • Issuer name:
    Regions
  • Details:

    The Regions Visa® Business Credit Card is a small business card.

    The Regions Visa® Business Card doesn't charge an annual fee.

    The Card has a 0% Intro APR period on purchases for the first 6 months, 15.74% - 25.74% Variable after that.

  • Pros:
    • No Annual Fee
    • Intro APR period on purchases
  • Cons:
    • No Intro APR period on balance transfers
    • No rewards
    • Foreign Transaction Fee
  • Benefits:
    • Business Solutions;
    • Business Insights.
Card detail

How to Choose the Right Regions Credit Card?

Sometimes, choosing the right credit card from a specific credit card company can be hard. Considering Regions, there are three steps that will make your decision process easier.

First of all, you need to check your current credit score. It can vary from "Poor” to “Excellent”, and the higher your score is, the better Regions options of credit cards are available to you.

Then, you have to understand why you want a Regions credit card and determine the most important aspects your future credit card must have. If you want a credit card to improve your credit score, look for those with large grace period and no annual fee. If your aim is to save money on interest, Regions credit cards with the lowest interest and introductory rates are your best choice. In case you need a credit card with cash rewards, check the rewards program offered by Regions.

As a third step, you should compare the Regions offers you think are the best for you, but considering all the aspects. In general, an ideal credit card fits the following characteristics: near-zero interest rate, low fees, high credit limit, the finance charge calculations include one billing cycle only, and numerous rewards and sign-up bonuses. You can easily compare Regions credit cards in the table below.

Side-by-Side Comparison of Regions Credit Cards

Card Name APR Annual fee Rewards Intro offer
Cash Rewards Visa® Signature 19.24% - 29.24% Variable $0
  • 1.5% Cash Back on all purchases.
  • $200 You can earn $100 in bonus Cash Rewards when your net purchases in the first 90 days total at least $500, and an additional $100 in bonus Cash Rewards when those net purchases total at least $1,000.
  • Explore Visa® 28.24% Variable $29
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Prestige Visa® Signature 18.24% - 28.24% Variable $0
  • 3x Relationship Rewards points per $1 spent on dining and entertainment purchases.
  • 2x Points on gas and groceries.
  • 1x Point on all other purchases.
  • 20,000x You can earn 10,000 bonus points, which can be redeemed for travel, merchandise, gifts cards or $100 cash when your net purchases made in the first 90 days total $500 or more. When those net purchases total at least $1,000, you'll earn an additional 10,000 bonus points.
  • Visa® Business Enhanced 17.74% - 27.74% Variable $0
  • 1x Point for each $1 spent on qualifying purchases.
  • No current offer.
  • Life Visa® 17.24% - 27.24% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Premium Visa® Signature 18.74% Variable $125
  • 1.5x Points for every dollar spent on all qualifying purchases.
  • 30,000x Bonus points, which can be redeemed for travel, merchandise, gifts cards, or $300 cash, when your net purchases made in the first 90 days total $2,000 or more.
  • Visa® Business 15.74% - 25.74% Variable $0
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Conclusion

    Today, Regions issues a range of credit cards with different features, yet it’s better to find the best one for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us