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Regions Prestige Visa® Signature Credit Card review

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.
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$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

Annual fee$0
Welcome offer15,000 points after spending $1,000 in your first 90 days
Rewards1x points on all purchases
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)
Minimum Credit Score670
IssuerVisa
Avatar

Review by


Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.

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.

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.

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.

Compare rewards credit cards

1 - 3 of 35
Name Product Welcome Offer Rewards Annual fee Filter values
Capital One Venture Rewards Credit Card
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel

2x miles on every purchase, every day, 5x miles on hotels and rental cars booked through Capital One Travel, 5x miles when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023
$95
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months ​from account opening.
Capital One VentureOne Rewards Credit Card
Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn unlimited 1.25x miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel.
$0
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.
Capital One Quicksilver Cash Rewards for Good Credit
Capital One Quicksilver Cash Rewards for Good Credit
N/A
1.5% cash back on every purchase, every day
5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)
$0
Earn the same 1.5% cash back on every purchase and $0 annual fee as the Capital One Quicksilver Cash Rewards Credit Card, apply with good credit.
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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.

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