What credit score do I need?
Increase your chances of approval with a good to an excellent credit score of 670 or higher.
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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 Name | Regions Prestige Visa® Signature Credit Card |
|---|---|
| Card type | Visa |
| Annual fee | $0 |
| Purchase APR | 0% intro for the first 18 months (then 15.24% to 25.24% variable) |
| Balance transfer APR | 0% intro for the first 18 months (then 15.24% to 25.24% variable) |
| Cash advance rate | 27.24% variable |
| Cash advance fee | $10 or 4% of the cash advance amount, whichever is greater |
| Penalty APR | 29.99% variable |
| Foreign transaction fee | None |
| Interest free period | Up to 21 days |
| Late payment fee | Up 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:
- Click Apply now.
- Enter the promotional code.
- Fill out the application form.
- Review the application form and submit.
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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.