Regions Visa® Business
Enhanced Credit Card
You must use promo code N/A.
You’re eligible for a special offer† on the Regions Visa® Business Enhanced Credit Card. It’s designed to complement your Regions business account, and includes unlimited points and no annual fee.
As a valued Regions Business customer, you are invited to apply for the Regions Visa Business Enhanced Credit Card. Please apply by May 30, 2018. If you apply for a Regions Credit Card but did not receive a letter or an email with an invitation to apply for a credit card, you will be considered for a credit card on the terms provided in the application, not the terms described below.
$200
Cash Reward Option
Enjoy a $200 cash reward option (Earn 20,000 bonus points that can be redeemed for $200 cash) when you apply by May 30, 2018 and your business’ net qualifying purchases‡ made within 90 days after Account opening are at least $1,000.§
Plus, earn unlimited Relationship Rewards points — Earn 1 point per $1 spent on all qualifying purchases, then redeem for cash, travel, merchandise, gift cards and more. Points are worth 1 cent each when redeemed for cash, and cash redemptions are available in increments ranging from 2,500 points for a $25 redemption to 50,000 points for a $500 redemption.
0% Intro APR
for 12 months
on purchases
0% for the first 12 billing cycles on all purchases posted in the same period. After the 0% APR ends, the APR for these purchases will increase to a variable APR between 12.49% and 20.49%.*
Credit limit
up to
$50,000
Increase your buying power with a credit limit of up to $50,000.
Built-in
Business benefits
Get added control with employee cards with Regions Business Card Account Manager — You can track and set individual spending limits, see detailed card transactions and track expenses with account summary reports.
To qualify for the $200 cash reward option, be sure to apply by May 30, 2018.
Apply for Your Regions Visa Business Enhanced Credit Card
Use Promo Code N/A.
* See Pricing Information below for other APRs and fees that will apply to Regions Visa Business Enhanced Credit Cards.
† This offer is available only to you (the individual identified above) and your business, is subject to credit approval, is nontransferable, may not be combined with any other offer, and does not apply if your business already has a Regions Business Credit Card Account.
‡ Qualifying purchases do not include purchases of items that can be traded right away for cash (such as wire transfers, money orders, traveler’s checks, lottery tickets or casino chips). Visit regions.com/relationshiprewards for the full terms of the rewards program.
§ The amount of any returned purchase for which a credit is provided within the 90-day period will not count toward the amount needed to earn bonus points. If earned, bonus
points will be awarded after the end of this 90-day period.
This table summarizes certain costs for Regions Visa® Business Enhanced Credit Cards. The account is governed by the Credit Card and Security Agreement provided to the Business, which contains the full terms and conditions of the Account. Please carefully review the terms disclosed below. The information about these costs is accurate as of March 6, 2018, but may have changed since that date. To find out what may have changed, the Business can call the Bank at 1-800-253-2265.
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | 0% introductory APR for 12 months.a After that, the Business's APR will be 12.49% – 20.49% for Visa Business Enhanced based on the Business's creditworthiness and other factors determined at the time of Account opening. This APR will vary with the market based on the Prime Rate.b |
| APR for Balance Transfers | 12.49% – 20.49% for Visa Business Enhanced based on the Business's creditworthiness and other factors as determined at the time of Account opening. |
| APR for Cash Advances | 25.49% This APR will vary with the market based on the Prime Rate.c |
| How to Avoid Paying Interest on Purchases | Your due date is at least 21 days after the close of each billing cycle. The Bank will not charge any interest on purchases if the Business pays its entire balance by the due date each month. |
| Minimum Interest Charge | If the Business is charged interest, the charge will be no less than $1. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| Fees | |
| Annual Fee | None |
|
Transaction Fees:
|
Either $10 or 4% of the amount of each transfer, whichever is greater. |
|
Either $10 or 4% of the amount of each cash advance, whichever is greater. |
|
3% of the transaction amount in U.S. dollars. |
|
Penalty Fees
|
Up to $49 |
How the Bank Will Calculate the Business' Balance: The Bank uses a method called "average daily balance (including new transactions)." See the Business' Credit Card Agreement for more details.
Loss of Introductory APR: The Bank may end the offered introductory APR if the Business makes a late payment.
Additional Pricing Information
a Introductory Rate on Purchases applies through the end of the 12th billing cycle after the Account is opened for all Purchases posted within the same period. When this Introductory APR terminates, any remaining balance that had been subject to the Introductory APR will accrue interest at the applicable Standard APR for Purchases disclosed above, as it may be changed under the Agreement.
Variable Rates: Each variable APR on the Account is calculated by adding together an index and a margin. The applicable margins are shown below. This index is the highest U.S. Prime Rate as published in the "Money Rates" section of The Wall Street Journal on the last publication day of each month.
b Standard APR for Purchases and Balance Transfers: Wall Street Journal Prime + a margin of 7.99% - 15.99%
c Standard APR for Cash Advances: Wall Street Journal Prime + a margin of 20.99%
An increase or decrease in the index will cause a corresponding increase or decrease in the variable APRs on the first day of the billing cycle that begins in the same month in which the index is published. An increase in the index means that the Business will pay higher interest charges and have a higher Total Minimum Payment Due. If The Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, the Bank may, in its sole discretion, substitute another index.