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1 Star Rating
Horrible bank.
Product: Regions Bank Credit Cards
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Please find below credit cards offered by Regions Bank.
Regions Bank Credit Card Offers
Updating Results
Purchase Intro APR0% for 18 months
Transfer Intro APR0% for 18 months|Transfer Fee: 4% (min $10)
Regular APR16.49% - 26.49% (V)
Purchase Intro APR
0% for 18 months
Transfer Intro APR
0% for 18 months|Transfer Fee: 4% (min $10)
Regular APR
16.49% - 26.49% (V)
annual fee
$0
rewards rate
None
minimum credit
Excellent
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- No foreign fee
Cons
- No rewards
- No initial rewards bonus
- Balance transfer fee
- Requires excellent credit
Read our editor's full Regions Life Visa® Credit Card review.
Additional Info
- 0% Intro APR on balance transfers requested within 60 days of account opening
- Access your account with Regions Online Banking - check balances, make payments and more.
- Use with Apple Pay®, Google Pay®, or Samsung Pay™.
- Travel & Emergency Assistance, Auto Rental Collision Damage Waiver, Purchase Security, and Extended Warranty Protection.
- Visa Zero Liability Policy.
Secured Credit CardMin Deposit of $250
One-Time Fees
Regular APR26.49% (V)
Secured Card
Min Deposit of $250
One-Time Fees
$0
Regular APR
26.49% (V)
annual fee
$29
monthly fee
$0
minimum credit
Bad
WalletHub's Take
Pros
- Low membership fees
- No foreign fee
- Qualify with bad credit
Cons
- High regular APR
- Requires security deposit
Read our editor's full Regions Explore Visa Credit Card review.
Additional Info
- In order to apply for the Regions Explore Visa Credit Card, you are required to open an Explore Card Savings account with a minimum deposit of $250.
- Enjoy Visa Benefits like Auto Rental Collision Damage Waiver, Extended Warranty Protection, Purchase Security and more.
- Customize your card with Regions YourPix Studio for $10.
- Use with Apple Pay®, Google Pay®, or Samsung Pay™.
Purchase Intro APR0% for 12 months
Transfer Intro APR0% for 12 months|Transfer Fee: 4% (min $10)
Regular APR18.49% - 28.49% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 12 months|Transfer Fee: 4% (min $10)
Regular APR
18.49% - 28.49% (V)
annual fee
$0
rewards rate
1 - 3 points / $1
Bonus Offer
20,000 points
Bonus Offer
20,000 points
minimum credit
Good
WalletHub's Take: The Regions Prestige Visa® Signature Credit Card is a good credit card to apply for if your credit score is 700 or higher and your biggest expenses include dining, entertainment, gas and groceries. It’s worth considering because it offers 1 - 3 points per $1 spent, plus an initial bonus worth $100-$200, and there’s no annual fee. You can also save on interest with a 0% introductory APR promotion, and pairing the card with a Regions checking account can get you extra rewards.
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
Cons
- Balance transfer fee
- High regular APR
- Requires good/excellent credit
Rewards Details
- Earn 10,000 bonus points (redeemable for $100 cash) on making at least $500 in qualifying purchases in the first 90 days of account opening. And when those net purchases total at least $1,000, you'll earn an additional 10,000 bonus points.
- Earn 3 Relationship Rewards points per $1 spent (equivalent to 3% cash back) on dining and entertainment purchases, 2 Relationship Rewards points per $1 spent (equivalent to 2% cash back) on gas and grocery store purchases, and 1 Relationship Rewards point for every $1 spent (equivalent to 1% cash back) on all other purchases.
- When you register for Rewards Multiplier, you can earn up to an extra 1% on every credit card purchase based on the average balance you have in your checking and other deposit accounts. That means you can earn up to 4% on dining & entertainment purchases, 3% on gas & grocery purchases, and 2% on all other purchases.
- Rewards can be redeemed for a direct deposit into a Regions account, a statement credit, travel, gift cards, and more.
- And the more Regions products and services you use, the more points you earn.
Additional Info
- 0% Intro APR on balance transfers requested within 60 days of account opening.
- Great card benefits, including: Lost Luggage Reimbursement, Purchase Security, Travel Accident Insurance, Roadside Dispatch, Auto Rental Collision Damage Waiver, Extended Warranty Protection, Purchase Security, Visa Signature Concierge Service and Travel & Emergency Assistance, including Emergency Card Replacement/Cash Disbursement.
- Access your account with Regions Online Banking - check balances, make payments and more.
- $0 Liability Guarantee and Overdraft Protection.
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
Regions Bank Credit Card Reviews
4.2
1,443 reviews
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1 Star Rating
This is the worst bank I have used in my entire life. The worst customer service and the worst online interface. They make it incredibly inconvenient to set up autopay to make it more likely for you to pay interest. Instead of being able to set up auto pay online or even over the phone like most banks you have to call them to have a form MAILED to you which you then have to fill out with your banking information and then go to the post office to MAIL IT BACK. Which is absolutely insane!!! I had set up autopay a long time ago and then didn’t use the card for several months. When I made a $6k purchase on it I assumed my autopay would still be in place but I guess not. One day after my payment due date I noticed my payment wasn’t processed. I immediately paid the entire balance and asked them if they could please waive the interest fee since the autopay wasn’t processed and I paid it 2 days before the statement closing date and they said that wasn’t possible. So now I have to pay interest on $6k when I had the money to pay off the card the entire time they just scam you with the autopay complications. I am closing my account and I will never use this bank again. Just want to warn everyone of this scam artist bank so you can avoid this happening to you too.
Product: Regions Bank Credit Cards
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1 Star Rating
Customer Service is abysmal at best. I’m just a small time investor I’m not big enough to get any attention from these guys. Switch to a credit union. They actually seem to be interested in obtaining my business.
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1 Star Rating
I am writing to formally report a very concerning experience I had with a representative who identified himself as “Jake,” though I am unsure if that is accurate-Location 1512 Kienlen Ave, St Louis Missouri
During our interaction, he was extremely dismissive and lacked any level of professionalism or compassion. I reached out regarding an overdraft fee, understanding that while I had one, I was hoping for assistance given that I had previously received help with a similar situation. Instead of handling the situation respectfully, he immediately refused and made a comment stating, “you’re just upset because I’m not going to give you the answer that you want,” which felt unnecessary and unprofessional.
I then requested to speak with a manager or someone higher up. Instead of honoring that request, he transferred me to another associate who had less information and was unable to assist. When I questioned this, he returned to the call and stated that he could not connect me to a manager and asked what else I wanted, which added to the frustration. At no point did I ask to be transferred to another associate.
The overall tone of the interaction was demeaning and unhelpful. I fully understand policies regarding overdraft fees, but the way this situation was handled was unacceptable. Customers should be treated with respect, even when requests cannot be granted.
I hope this matter is reviewed seriously, as no customer should feel dismissed or disrespected when reaching out for assistance
During our interaction, he was extremely dismissive and lacked any level of professionalism or compassion. I reached out regarding an overdraft fee, understanding that while I had one, I was hoping for assistance given that I had previously received help with a similar situation. Instead of handling the situation respectfully, he immediately refused and made a comment stating, “you’re just upset because I’m not going to give you the answer that you want,” which felt unnecessary and unprofessional.
I then requested to speak with a manager or someone higher up. Instead of honoring that request, he transferred me to another associate who had less information and was unable to assist. When I questioned this, he returned to the call and stated that he could not connect me to a manager and asked what else I wanted, which added to the frustration. At no point did I ask to be transferred to another associate.
The overall tone of the interaction was demeaning and unhelpful. I fully understand policies regarding overdraft fees, but the way this situation was handled was unacceptable. Customers should be treated with respect, even when requests cannot be granted.
I hope this matter is reviewed seriously, as no customer should feel dismissed or disrespected when reaching out for assistance
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2 Star Rating
I will never recommend this bank to anyone. They literally gave me no warning and just locked my account for what they thought was a fraudulent charge and I told them I made the charge and they still locked my account. This is the worst experience I've ever had with a bank in my entire life. I should've stayed with Chase bank because I never had this problem with them.
Product: Regions Bank Credit Cards
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Tell me why I'm having this problem right now. I'm so mad and frustrated at the same time and no one can give me an explanation to why my account is lock.
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1 Star Rating
I am so disappointed in Regions Bank, with which my mother did business for decades in Florida. My mother passed away late last year, and I am the trustee of her estate. Despite providing my mother's death certificate, trust documentation, copies of IDs, SS cards, etc., they refuse to provide any information regarding her account. I'm trying to confirm that her credit card has been closed out so that she doesn't accrue any charges or fees. I explained that the closest branch is four hours from my home in Virginia, so I am not able to just pop in and handle this in person. I have faxed and mailed copies of the requested documents, and I still have no answers.
I now receive my mother's mail as well, and I just received a letter that she had accrued over 7,000 reward points, and that those points could be redeemed as a gift card or cash. When I called to see how to go about redeeming those points, I was informed that since she has passed away, the points will not be redeemed (even though she earned them).
Regions, do better. My mother banked with you for decades. She would be so disappointed in the way you're handling her affairs now.
I now receive my mother's mail as well, and I just received a letter that she had accrued over 7,000 reward points, and that those points could be redeemed as a gift card or cash. When I called to see how to go about redeeming those points, I was informed that since she has passed away, the points will not be redeemed (even though she earned them).
Regions, do better. My mother banked with you for decades. She would be so disappointed in the way you're handling her affairs now.
Product: Regions Bank Credit Cards
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1 Star Rating
I am tired of having to waste time calling Regions every week because your security protocol places a hold on my card every time I use it online. The wait times are bad enough. The dropped called are bad enough. The pointless transfers to another "department" who I have to start over again repeating my name, account, and issue are bad enough. Cease with the nonsense. Please stop placing holds on my card for every single minor transaction that, for some reason, triggers your alerts, Chicken Little. Also, why is your site attempting to edit my comment to soften the point?
Product: Regions Bank Credit Cards
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1 Star Rating
First of all, mobile deposit has untold rules that only Regions know about, it seems. My second paycheck, I mobile deposit on Dec 1, Regions marks it as fraud; I get it, they are protecting themselves, but if you bring into the bank the person who wrote it with their ID & they still say there is nothing I can do; that’s a bank that cares nothing about their customers. So here I am owing rent & other bills with a $2,000 hold on my paycheck for 10 days because this invisible fraud department can’t be contacted by fellow employees of Regions. I will have bounced fee from my phone & electricity company, plus Regions overdraft fees; but does Regions care, oh no. Shame on you, Regions; Santa is watching, dude.
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5 Star Rating
I went into Regions Bank in Bristol, TN. The bank manager Sara is hands down the best customer service I have received in years. She was welcoming and very personable. She acknowledged the passing of my mom. If all who work with the public were like Sara, it would be a different world. This is what service used to always be like. Best banking experience I have ever had. Bank ID 3F698. Thank you.
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5 Star Rating
Verified CustomerNo complaints. Been with Regions for many years. Good bank to do business with. There are definitely ups and downs dealing with finances, but Regions won't drop the ball; they go the extra mile.
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Regions Bank Credit Card FAQ
Get answers to your questions about Regions Bank Credit Card Reviews below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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10
UpvotesDoes Regions Bank have student credit cards?
Reply
Bogdan Roberts
No, Regions Bank does not have any student credit cards. But the bank does offer an alternative option, the Regions Explore Visa Credit Card. While this card is not aimed at students, it is available for those with bad credit. However, it is a secured credit card and it requires a deposit of $250. Generally, most student credit cards are aimed at those with fair or limited credit.
Aside from the Regions Explore Visa Credit Card, all Regions Bank credit cards require good and excellent credit for approval. However, students can still get access to Regions Bank credit cards by becoming an authorized user of someone else's Regions Bank card. That way, they'll be able to take advantage of all the card has to offer while establishing credit.
Alternative Student Credit Card Options From Other Issuers
Initial Bonus:
Capital One Savor Student Cash Rewards Credit Card
Cash Back Rewards:
Bank of America® Unlimited Cash Rewards credit card for Students
Travel:
Bank of America® Travel Rewards credit card for Students
Ultimately, feel free to check out our editors' picks for the best student credit cards to see which one better suits your needs.
4
UpvotesHow can I talk to Regions Bank customer service?
Reply
James W Reed
To talk to Regions Bank customer service, call 1-800-734-4667 and then wait to be connected to an agent. This process will get you in contact with a live Regions Bank representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Regions Bank Customer Service by Phone
- Call the Regions Bank customer service department at 1-800-734-4667.
- Wait to be connected to an agent. ...
5
UpvotesHow do I apply for a Regions Bank credit card?
Reply
Evelyn Boros
You can apply for a Regions Bank credit card online, by phone or at a Regions Bank location.
If you apply by phone or online, you can often get a response within 60 seconds. However, in some cases it might take the bank 7-10 days to process your application.
Here's how to apply for a Regions Bank credit card:
- Online: To apply for a Regions Bank credit card online, you'll have to provide your...
1
UpvoteHow can I check my Regions Bank credit card application status?
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Sebi Mitchell
You can check your Regions Bank credit card application status by calling 1 (888) 462-7627. When you call, listen to the automated menu and press the key to check your status, then verify your identity so Regions Bank can match you to your application. You unfortunately cannot check your Regions Bank application status online.
How to Check Your Regions Bank Credit Card Application Status
- Call 1 (888) 462-7627.
- Follow the prompts that lead to an...
7
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