This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Market Comparison
4.2
fees: 5.0
rewards: 0.0
cost: 3.7
APR: 5.0
Purchase Intro APR→0% for 18 months
Transfer Intro APR→0% for 18 months|Transfer Fee:4% (min $10)
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.6
Market Comparison
4.8
fees: 5.0
rewards: 4.8
cost: 5.0
Other Features: 0.0
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)
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.
Pros, Cons, & Details
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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.
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Product: Regions Bank Credit Cards
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marcganancias @marcganancias
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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?
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Product: Regions Bank Credit Cards
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Jerilyn S @jeris1011
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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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Product: Regions Bank Credit Cards
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cindyderosa33 @cindyderosa33
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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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Product: Regions Bank Credit Cards
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Anthony Geremonte @towtech6804
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5 Star Rating
Verified Customer
No 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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Product: Regions Bank Credit Cards
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no kay @lawofone999
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1 Star Rating
The absolute worst bank ever. Nothing works. Nothing. Cards don't work. Online services don't work. Customer service surely doesn't work.
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Product: Regions Bank Credit Cards
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juanita Curtis @juanitacurtis2
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1 Star Rating
I've been waiting for a Regions Prepaid account credit card for three weeks when I was specifically told it would take 7 to 10 business days. They claimed they mailed it on the 30th of May. Then, on Saturday, I called and complained, asking where my card was. They said they would cancel it and expedite one overnight to me. Well, today is Tuesday and still no card. I called and they said tomorrow. They don't have a tracking number or any way of telling when it was mailed. It's just ridiculous. I would not recommend them to anyone. I could understand if I were waiting on their credit, but it's my money. This is crazy!
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Product: Regions Bank Credit Cards
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Amanda Snyder @mandalyn76
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1 Star Rating
The account has been a headache from the start. I'm a mellow person who doesn't get upset easily, but my patience has vanished with all the issues. When I opened the account, I couldn't get access to it for several days. I've never had that experience with any other bank before. Then, the Zelle payments take numerous days to go through, which is again an issue I've never encountered with other banks. I called but got nowhere; there was no help at all. I wanted to close this account but found out I'll get charged a fee if I close it before six months. Then I was charged $18 for a monthly fee after months of no fees. When I opened the account, it was indicated that if I had a monthly $500 direct deposit, I wouldn't be charged a monthly fee. I called, and they said I could change to a different account that doesn't charge fees, and I got the $18 refunded. Now I try to do Zelle transfers, and my account was restricted. After calling to verify my information, I now have to go in person. I'm on mandatory overtime for the next month, Monday through Saturday. So my money is being held hostage until I'm off overtime. This is unacceptable.
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Product: Regions Bank Credit Cards
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studentlady @studentlady
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1 Star Rating
After obtaining a Regions Prestige Visa credit card, they overcharged me $1,900. I have only had the card for three months now .I have emailed and called approximately seven times and they say that they will refund it, but they do not. Do not get a Visa credit card from Regions Bank. The Regions bank personnel will not help you either.
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Product: Regions Bank Credit Cards
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Chrystal Boyles @chrystalb1
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5 Star Rating
Verified Customer
I have been with this bank since 1990; they have the lowest interest rates for credit cards. Thank you, Region Bank, for always caring about your customers.
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Review Regions Bank Credit Card Reviews
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.
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
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.
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...
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
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* The information about the following cards has been independently collected
by WalletHub: Regions Life Visa® Credit Card, Regions Explore Visa Credit Card, Regions Prestige Visa® Signature Credit Card, Bank of America® Unlimited Cash Rewards credit card for Students, and Bank of America® Travel Rewards credit card for Students.
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