Introducing the

Regions Prestige Visa® Signature Credit Card

Apply for Your Card

  • NO ANNUAL FEE
  • No foreign transaction fees
  • Lowest intro rate on purchases and balance transfers
  • Option to redeem points for cash
  • 24/7 security and online account management

As a valued Regions customer, you are invited to apply for the Regions Prestige Visa® Signature Credit Card.* Just make sure you apply for your new card by 6/22/2018. 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.

Here's why you'll enjoy this new card:

$150 cash reward option

  • Earn 15,000 bonus points you can redeem for $150 when your net qualifying purchases on your new Regions Prestige Visa Signature Card total at least $1,000 within 90 days of your account opening date.

Redeem for cash

  • Earn 1 point per $1 spent on all qualifying purchases.
  • Redeem your points for a variety of rewards including cash, travel, gift cards and more.

Our lowest intro rate

  • 0% introductory Annual Percentage Rate (APR) for the first 12 billing cycles after account opening on all purchases posted in the same period and on all balance transfers posted within 60 days of account opening.**
  • Balance transfer fee is 4% of each transfer ($10 minimum) and applies to transfers made during and after the introductory period.
  • After the 12th billing cycle, the APR for purchases and balance transfers will increase to a variable APR between 14.24 and 23.24%.††

Enjoy the low intro rate for purchases and balance transfers

  • 0% introductory Annual Percentage Rate (APR) for the first 12 billing cycles after account opening on all purchases posted in the same period and on all balance transfers posted within 60 days of account opening.
  • Balance transfer fee is 4% of each transfer ($10 minimum) and applies to transfers made during and after the introductory period.
  • After the 18th billing cycle, the APR for purchases and balance transfers will increase to a variable APR between 14.49% and 23.49%.

Start with a new account bonus worth $150

You'll receive 15,000 bonus points, which can be redeemed for $150 cash, when your net qualifying purchases§ made in the first 90 days after account opening total $1,000 or more.** Plus, you'll earn 1 point for every dollar spend on all qualifying purchases made during and after the introductory period.

Flexible points redemption

Redeem your points for a variety of rewards including cash, travel, gift cards and more. Cash redemptions are available in increments ranging from 2,500 points for a $25 redemption to 50,000 points for a $500 redemption.

Control your card with Regions LockItSM

If your card is ever lost or stolen, you can lock your card for online, in-store or ATM transactions — even before reporting the problem.

Please note: You must apply for your card by March 30, 2018.

Ways to apply for your card:

Apply for Your Card Now Visit a Regions Branch


* See below for important information about the terms and conditions of this offer.

† 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.

‡ See Pricing Information about APRs and certain fees that will apply to the offered Regions Visa cards.

§ 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.

‡‡ Zero Liability Policy does not apply if you have been grossly negligent in handling your card or account.

Important Information about This Offer: To receive this offer for a Regions 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 is subject to credit approval. If you open a joint Account, 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.
  • Does not apply if (1) we receive your response after the expiration date in our offer, or (2) you request a type of Regions credit card that is different from the card in this offer.

Important Information about Balance Transfers:

  • All Balance Transfers are subject to our issuance of a credit card account for you. We may decline to process any Balance Transfer request, and we are not liable to you if we do not process part or all of any Balance Transfer you request. If the total amount you request exceeds the credit limit assigned to your new Regions credit card account, we may send all, part or none of the payment identified in your request in any order we choose. We reserve the right not to transfer any balance owed on another Regions account.
  • Allow at least 14 days from when we send your new credit card and the Credit Card Agreement for the processing of your requested Balance Transfers. If you want to cancel a Balance Transfer request before it has been processed, contact us at 1-800-253-2265 or the number on the back of your credit card. You should continue paying each biller until the Balance Transfer appears as a credit on your account with that biller. When we pay another biller on your behalf, we will not instruct the other biller to close its account with you. If you want to close your account with the other biller, you must instruct the other biller to do so.
  • Balance Transfers are subject to interest charges from the transaction date, and the Balance Transfer fee is 4% of the amount of each balance transferred to your new Regions account, with a minimum of $10/transfer.
  • You should not transfer the amount owed for any disputed purchase or other charge. If you do, you may lose certain dispute rights.

Important Information about Overdraft Protection: We offer you the option, if this request is approved, to use a Regions credit card account to provide Overdraft Protection to an eligible Regions personal checking account. With this service, if your checking account becomes overdrawn, a cash advance from your credit card account will be automatically transferred to your checking account. On each day a transfer occurs, a transfer fee will be charged to your checking account, as provided in the Regions Deposit Agreement. Funds transferred from your credit card account will accrue interest at the Cash Advance APR provided in your Credit Card Agreement. If you would like the credit card account to provide Overdraft Protection for your Regions checking account, please provide the number for your checking account when you respond to this offer. You should not use this service until you receive our notice confirming that your credit card account has been linked to your checking account for Overdraft Protection.

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.
  • 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 authorize us, any of our affiliates and our marketing associates (1) to monitor and/or record any of our phone conversations with you; and (2) to contact you (A) using an automated telephone dialing system and/or artificial or prerecorded voice message, and (B) at any phone number (including cell phone numbers) you provide to us, either on this application or otherwise. We may contact you using these numbers even if you are charged for the call or text message under your phone plan.

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.

Pricing Information

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 March 29, 2018, 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 14.49%-23.49% for Prestige Platinum or Signature based on your creditworthiness and other factors as determined at the time of Account opening.
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 14.49%-23.49% for Prestige Platinum or Signature based on your creditworthiness and other factors as determined at the time of Account opening. .
This APR will vary with the market based on the Prime Rate.a
APR for Cash Advances 26.49% for Prestige Platinum or Signature.
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 or Signature.

Transaction Fees:

  • Balance Transfer
Either $10 or 4% of the amount of each transfer, whichever is greater.
  • Cash Advance
Either $10 or 4% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction
None.

Penalty Fees

  • Late Payment

Up to $38

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 if the 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 Rate for Purchases and Balance Transfers: The Wall Street Journal Prime + a margin of 9.74%-18.74%
b Standard APR for Cash Advances: Wall Street Journal Prime + a margin of 21.74%
c Standard APR for Cash Advances: Wall Street Journal Prime + a margin of 25.74%, not to exceed 29.99%

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.

* 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.