Regions Visa® Signature review | finder.com

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Regions Prestige Visa® Signature Credit Card review

Last updated:  

A no-annual-fee credit card with flat rewards rate on all purchases.

  • Get this card if you are a loyal Regions customer who wants a rewards credit card.
  • Pick something else if you want a higher rewards rate.
  • Apply with a good to an excellent credit score of 670 or higher.

$150

Welcome offer

$0

Annual fee

0%

Intro Purchase APR

for the first 18 months (then 15.24% to 25.24% variable)

0%

Intro Balance Transfer

for the first 18 months (then 15.24% to 25.24% variable)

Details

Product NameRegions Prestige Visa® Signature Credit Card
Card typeVisa
Annual fee$0
Purchase APR0% intro for the first 18 months (then 15.24% to 25.24% variable)
Balance transfer APR0% intro for the first 18 months (then 15.24% to 25.24% variable)
Cash advance rate27.24% variable
Cash advance fee$10 or 4% of the cash advance amount, whichever is greater
Penalty APR29.99% variable
Foreign transaction feeNone
Interest free periodUp to 21 days
Late payment feeUp to $39

The basics

Using the Regions Prestige Visa® Signature Credit Card, you can earn unlimited 1x points on everything you buy. You can also save money on interest payments as this card has a long intro APR period on balance transfers and purchases.

Visa Signature also has no annual fee and comes with perks such as roadside dispatch, travel and emergency assistance services and concierge service. But if you rarely use these services, getting a credit card with a higher rewards rate could be a better choice.

Card benefits

  • Signup bonus.
    Earn 15,000 bonus points worth $150 in cash after you spend $1,000 in your first 90 days of account opening.
  • Reward points.
    Earn 1x points on all purchases. This is a low rewards rate, considering the industry average is 1.5x points.
  • Intro APR period.
    Get 0% intro APR period on balance transfers and purchases for the first 18 months when you open your account. After that, a variable APR of 15.24% to 25.24% applies.
  • No foreign transaction fee.
    Use the card freely when traveling abroad or when making purchases online with foreign retailers. You won’t incur any foreign transaction fees.
  • No annual fee.
    Don’t worry about paying an annual fee for the life of the card.

What to watch out for

  • Penalty APR.
    If you make a late payment, expect to incur a penalty APR of 29.99% variable and lose the intro APR period. You need to pay your balance on time for six consecutive months to revert your rate to the standard APR.
  • Balance transfer limitations.
    Transfer your balances within your first 60 days to get the 0% intro APR period. Otherwise, the standard APR of 15.24% to 25.24% will apply.

How to apply for the Regions Prestige Visa® Signature Credit Card

    Before you apply for the card, you need an active Regions account or a valid promotional code. After that:
  1. Click Apply now.
  2. Enter the promotional code.
  3. Fill out the application form.
  4. Review the application form and submit.

What credit score do I need?

Increase your chances of approval with a good to an excellent credit score of 670 or higher.

Compare rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
3% cash back bonus on up to $10,000 in the first 12 months, then 1.5%
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
$150 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
Earn unlimited 1.5% cash back on every purchase, every day.
$150 after spending $500 in the first 90 days
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees

Compare up to 4 providers

Bottom line

Regions clients who want a rewards credit card with a long intro APR period on balance transfers and purchases may find the Regions Prestige Visa® Signature Credit Card card useful.

But if you want to earn higher rewards rate, compare other credit cards to find the best card for your needs.

Frequently asked questions

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site