You're pre-selected!1
Introducing the Regions Prestige Visa® Signature Credit Card
- NO ANNUAL FEE
- No foreign transaction fees
- Lowest intro rate on purchases and balance transfers
- Option to redeem points for cash
- Security and online account management tools
As a valued Regions customer, you are pre-selected for the Regions Prestige Visa® Signature Card with Regions Relationship Rewards. Just make sure you request your new card by the date provided in the email you received about this offer. If you request a Regions Credit Card but did not receive a letter or an email with a pre-selected offer for a credit card, you will be considered for a credit card on the terms provided in the application, not the terms described below.
Enjoy the low intro rate for purchases and balance transfers
- 0% introductory Annual Percentage Rate (APR) for the first 18 billing cycles after account opening on all purchases posted in the same period and all balance transfers posted within 60 days of account opening.2
- After the introductory period ends, the APR for purchases and balance transfers will increase to a variable APR of 14.24%.
- Balance transfer fee is 4% of each transfer ($10 minimum) and applies to transfers made during and after the introductory period.
View pricing information about APRs and certain fees for the offered Regions Visa cards.
Start your new account with a $150 cash reward option
You'll receive 15,000 bonus Relationship Rewards points, which can be redeemed for $150 cash or other rewards, when your net qualifying purchases3 made in the first 90 days total $1,000 or more.4 Plus, you'll earn 1 point for every dollar spent on all qualifying purchases made during and after the introductory period.
Earn extra points through the Regions Rewards MultiplierSM Program.
With a Regions personal checking account and an eligible personal credit card, you can register for the Regions Rewards MultiplierSM Program, which awards extra Relationship Rewards points for your credit card purchases based on certain balances in your Regions personal deposit accounts.
The more you deposit, the more points your credit card purchases could earn. Learn more about the Regions Reward Multiplier program.
Ways to request your card:
1. This offer applies only to the individual identified in the email for this offer and may not be combined with any other offer. See below for important information about the terms and conditions of this offer.
2. To avoid paying interest on new purchases that post after the 18th billing cycle, you must repay your entire balance (including any balances for purchases and balance transfers at the 0% APR) by the due date that falls within the 19th billing cycle.
3. 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), any unauthorized purchases, or any fees or interest charges. Visit regions.com/relationshiprewards for the full terms of the rewards program.
4. 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. No other offer for bonus points will apply to purchases made in the first 90 days.
Important Information about This Offer: To accept this offer for a Regions Prestige Visa® Signature credit card account (an "Account"), you must respond by the expiration date and with the promotional code specified in the letter. This offer:
- Is available only to US citizens and lawful permanent residents who are at least 21 years old and have a valid permanent home address in Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee or Texas.
- Is limited to you (the person named in the accompanying letter), and cannot be accepted by or with any other person. If you request a joint Account, we will treat your request as an application for an Account that was not pre-selected. If your request is approved, your new Account will be opened with the annual percentage rates and other terms provided in this offer only if (1) you are identified as the first and primary applicant on the application, and (2) you provide the promo code included with this offer when you request the joint Account.
- May be used to open only one Account. If you use the promo code for this offer to request an Account and later use the same code to request another Account, we will deny your request for any additional Account.
When you respond to this offer, we will review your credit report and the information you provide with your response to confirm that you continue to meet the predetermined criteria for this offer, which includes not already having a Regions credit card account. You also must have sufficient income to make payments on the Account. Based on this review, you may not receive an Account or you may receive a Regions Prestige Visa© Platinum Credit Card with Relationship Rewards. If you fail to provide any information we have asked you to provide, we may deny your request for an Account.
This offer does not apply if (1) we receive your response after the expiration date in our offer, (2) you request a type of Regions credit card that is different from the card in this offer, or (3) you recently have opened or accepted an offer for another Regions credit card account. If this offer does not apply, we will treat your response to this offer as an application for an Account that was not pre-selected, and the terms of that Account may be different from the terms of this offer.
It is possible that certain applicants directly applying for a credit card from us, now or in the future, could obtain cards on the same terms or on more favorable terms than the terms available through this offer.
Terms and Conditions of This Offer: By responding to this offer:
- You are requesting a Visa credit card account (the "Account") to be issued by Regions Bank ("we", "us", and "our"), which is headquartered in and organized under the laws of Alabama.
- You acknowledge that you have reviewed the Pricing Information and other information provided with this offer.
- You understand that we will rely on the information you provide on and in connection with this application, and you promise that this information is accurate and complete. You confirm that you are at least 21 years of age, are a citizen or lawful permanent resident of the United States and have a valid permanent home address in Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee or Texas. We may not process your request if your address is outside that area.in Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee or Texas. We may not process your request if your address is outside that area.
- You authorize us to obtain consumer credit reports and other information about you for purposes of reviewing your application and, if your application is approved, for purposes of extending credit on your Account, and reviewing, updating, renewing, and servicing your Account.
- You also authorize us to verify your employment, income, address and all other information about you with creditors, credit reporting agencies, employers and other third parties, and through records maintained by government agencies. You waive any rights of confidentiality you may have in this information, to the extent permitted under applicable law.
- You understand that, if you request and are approved for a Regions Prestige Card, you will receive either a Signature card (if your credit limit is $5,000 or higher) or a Platinum card (if your credit limit is less than $5,000). The benefits are different for Regions Prestige Platinum and Regions Prestige Signature.
- If approved, your Account will be governed by the Credit Card Agreement sent with the card(s) for the Account. You agree to read the Credit Card Agreement carefully before you use or permit anyone else to use the Account. By using the Account or any card, permitting such use, or making any payment on the Account, you agree to be bound by the terms of the Credit Card Agreement. The Account and the Credit Card Agreement are governed by Alabama law and federal law. If you request and receive a credit card and then decide you do not want the Account, you can call the Customer Service number provided on the back of the credit card to cancel. Any fees, if assessed, will be reversed at no cost to you if you have not used the credit card.
- The Credit Card Agreement provides that all disputes regarding an Account or the Agreement are subject to binding arbitration, which impacts your rights to participate in a class action or similar judicial proceeding. Please read the "Arbitration" section of the Credit Card Agreement carefully.
- You agree that we may: (1) monitor, record, and/ or retain any of our phone conversations with you; (2) call you using an automated telephone dialing system or otherwise; leave you a voice, prerecorded, or artificial voice message; or send you a text, e-mail, or other electronic message; and (3) call or text you at any phone number that you provide to us. You are not required to provide this consent with respect to communications made to cellular phone numbers and may revoke your consent to be contacted at such phone numbers by contacting us and providing such information as we request.
Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balance from month to month.
Maryland Residents: Finance charges will be imposed in amounts or at rates not in excess of those permitted by law.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.
Wisconsin Residents: No provision of a marital property agreement, a unilateral statement under section 766.59, Wisc. Stats., or a court decree under section 766.70, Wisc. Stats., adversely affects our interest unless, prior to the time the credit is granted, we are furnished a copy of the agreement, statement or decree or have actual knowledge of the adverse provision when the obligation is incurred. Married Wisconsin Residents ONLY: At your option, you may provide your spouse's income if you wish it to be considered. If you are applying for an individual account or a joint account with someone other than your spouse, please provide your spouse's name and address to us at Regions Bank, PO Box 830721, Birmingham, AL 35282.
PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria. If you do not want to receive prescreened offers of credit from this and other companies, go to www.optoutprescreen.com; call the consumer reporting agencies toll-free, 1-888-567-8688; or write: Experian, Consumer Services Department, 901 West Bond, Lincoln, NE 68521; Equifax, Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; Innovis Consumer Assistance, P.O. Box 495, Pittsburgh, PA 15230-0495; or TransUnion Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505.
This table summarizes certain costs for the Regions Visa® Credit Cards that may be provided to you under this offer. Each Account is governed by the Credit Card Agreement sent with the Card, which contains the full terms and conditions of the Account. Regions may change the interest rates, fees and other terms as provided in the Credit Card Agreement. This information about the costs of the cards is accurate as of January 21, 2019, but may have changed since that date. To find out what may have changed, you can call us at 1-800-253-2265. Please carefully review this information.
| Interest Rates and Interest Charges | |
| Annual Percentage Rate (APR) for Purchases | 0% introductory APR for 18 months.* After that, your APR will be 14.24% This APR will vary with the market based on the Prime Rate.a |
| APR for Balance Transfers | 0% introductory APR for 18 months.† After that, your APR will be 14.24% This APR will vary with the market based on the Prime Rate.a |
| APR for Cash Advances | 26.99% This APR will vary with the market based on the Prime Rate.b |
| Penalty APR and When It Applies | 29.99% This APR will vary with the market based on the Prime Rate.c This APR may be applied to your account if you make a late payment, including if you make a timely payment that is later returned. How long will this Penalty APR apply? If your APRs are increased for this reason, the Penalty APR will apply until you have at least six consecutive billing cycles with no late payment. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 21 days after the close of each billing cycle. We will not charge any interest on purchases if you pay your entire balance by the due date each month. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.50. |
| 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 for Prestige Platinum and Signature. |
Transaction Fees:
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|
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Penalty Fees
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Up to $39 |
How We Will Calculate Your Balance: We use a method called "average daily balances (including new transactions)." See your account agreement for more details.
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
Variable Rates: Variable Rates on the Account are calculated by adding together an index and a margin. The margins are shown below. The 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. An increase or decrease in the index will cause a corresponding increase or decrease in your variable rates on the first day of your billing cycle that begins in the same month in which the index is published. An increase in the index means that you 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.
a Standard Rates for Purchases and Balance Transfers:
- Wall Street Journal Prime + a margin of 8.74%
b Standard Rate for Cash Advances:
- Wall Street Journal Prime + a margin of 21.74%
c Penalty Rate:
- Wall Street Journal Prime + a margin of 25.74%, not to exceed 29.99%
* Introductory Rate on Purchases applies through the end of the 18th monthly billing cycle after the Account is opened for all Purchases posted to the Account during 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.
† Introductory Rate on Balance Transfers applies through the end of the 18th monthly billing cycle after the Account is opened for all Balance Transfers posted within 60 days of Account opening. 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 Balance Transfers disclosed above, as it may be changed under the Agreement.