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.
