Regions Cash Rewards Visa® Signature Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Intro purchase APR
- 0% for 12 months from account opening date
At a glance
Earn 1.5% cash back on every purchase with the new Cash Rewards Visa Signature from Regions Bank. Features no annual fee and 12 months of 0% introductory APR on purchases and balance transfers.
Our review of the Regions Cash Rewards Visa® Signature Credit Card
Looking for a straightforward cash back credit card with no annual fee? The Regions Cash Rewards Visa might be the perfect fit for you. With a solid 1.5% cash back on all purchases, this card stands out among other Regions Bank credit card options. Unlike some of their higher-tier cards, you don’t need to have a certain balance in your Regions personal checking account to qualify for this rewards rate.
Cash Rewards Visa Sign Up Bonus & Introductory Offers
While there isn’t a welcome offer or initial cash bonus for new cardholders, the Regions Cash Rewards card does come with a 12-month introductory period of 0% interest on purchases and balance transfers. Plus, once the intro period ends, the card has a competitive APR compared to other rewards cards.
Earning Cash Back
Earn 1.5% cash back on every purchase with the Regions Cash Rewards Visa. Just keep in mind that certain transactions like balance transfers, cash advances, and more aren’t eligible for rewards. Regions may occasionally offer special promotions for cardholders to earn even more cash back.
Redeeming Your Earnings
Redeem your cash back rewards for statement credits, direct deposits, or physical checks through the Regions Cash Rewards program. There are no minimum redemption amounts, but rewards expire after 48 months. Currently, only the primary account holder can redeem rewards, but Regions Bank may introduce an ‘Authorized Redeemer’ option in the future.
Should You Apply for the Regions Cash Rewards Visa® Signature Credit Card?
If you’re looking for a simple cash back card with no annual fee, the Regions Cash Rewards Visa is a solid choice. While the lack of a signup bonus may be a downside, existing Regions Bank customers may find the card’s benefits outweigh this drawback. Consider your spending habits and whether this card aligns with your financial goals before applying.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn unlimited 1.5% cash back on all purchases
- Redeem rewards for statement credit, direct deposit, or a physical check
- Requires a Regions Bank personal checking account to apply for card
- No foreign transaction fee
Who this card may suit
- You have a personal checking account with Regions Bank and make less than $45,000 in deposits a quarter
- You value a higher starting credit limit than a signup bonus
- You're looking for a supplementary credit card to add to their current line-up
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 12 months from account opening date |
| Regular Purchase APR | 18.74% to 28.74% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 12 months from account opening date |
| Balance Transfer APR | 19.24% to 29.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 4% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 30.24% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 4% of the amount of each transfer, whichever is greater |
| Late Payment Penalty Fee | Up to $39 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.
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Regions Cash Rewards Visa® Signature Credit Card
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