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Regions Prestige Visa® Signature Credit Card review

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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 rate26.99% 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

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

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.

Another balance transfer credit card

Citi Simplicity® Card

  • No late fees, no penalty rate, and no annual fee... ever
  • 0% intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • 0% intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • The standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
Read less
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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
Citi Rewards+℠ Card
Earn 15,000 points after spending $1,000 in the first 3 months
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
$0
The only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Capital One® VentureOne® Rewards Credit Card
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.
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
CardMatch™ from creditcards.com
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See terms
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Can't decide on a card? Get personalized credit card offers with CardMatch™.

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.

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