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. 

What I Like About the Regions Prestige Visa 

Initial bonus offer worth $100-$200 

The Regions Prestige Visa offers new cardholders 10,000 points after spending $500 or 20,000 points after spending $1,000 in the first 90 days. This is a pretty good offer because the total is close to the average initial bonus available right now, according to our research, and it’s a lot easier to earn than many other bonuses. It’s also nice that you can get something even if you’re a light spender. 
 

Up to 3 point / $1 spent 

If you get this card, you will earn 3 points per $1 spent on dining and entertainment purchases, 2 points per $1 spent on gas and grocery store purchases, and 1 point per $1 spent on all other purchases. That equates to 1% to 3% cash back. 
The bonus reward categories are naturally the most interesting part. To maximize the value of this card, you need to use it primarily for purchases in those categories. The base rate is standard for a rewards card. You could even complement this card with one offering 1.5% or 2% cash back on all purchases to avoid that base rate.  
 

Extra rewards for using other Regions products

If you have a Regions checking account (or you get one along with this credit card), it may result in you earning extra rewards, depending on your bank account balance. This is part of the Regions Rewards Multiplier program, and other products besides checking accounts are eligible too. 
 

0% introductory APR

This promotion applies to new purchases and balance transfers, and it lasts for 12 months from when you open your account. This isn’t the longest 0% offer on the market – in fact, it’s about average. But it does make the Regions Prestige Visa a very well-rounded offer.  
 

No annual fee

If you already have an expensive credit card or two, or you don’t plan to spend enough to make paying an annual fee for better rewards worthwhile, this might be a must-have. It also saves you $26.75 compared to the average credit card offer available right now, according to our database of 1,500+ offers. 
 

Lots of benefits and redemption options

You can redeem the points you earn with this card for things like bank account deposits, statement credits, travel and gift cards. Regions points are worth 1 cent each when redeemed for cash back, but values may vary with other redemption options.  

Rewards are also far from the only perk of card ownership. Cardholders also enjoy benefits such as travel insurance, rental car insurance, extended warranty protection and more. This is nice to see, considering lots of credit cards these days are cutting such benefits. 

What I Don’t Like About the Regions Prestige Visa 

High regular APR

You’ll basically lose a lot, if not all, of your savings from rewards if you carry a balance from month to month when the regular APR is in effect. So, set up automatic payments for your full statement balance to avoid overspending and wasting money. 
 

Requires a 700+ credit score for high approval odds

The Regions Prestige Visa requires good or excellent credit for approval. That isn’t really a bad thing, considering the card’s attractive rewards, but it would be nice if more people could get approved. You can estimate you chances by checking your free credit score right here on WalletHub. 

If you discover that you’re unlikely to qualify for the Regions Prestige Card, or you simply want to compare more options, you can check out our editors’ latest picks for the best credit cards by credit level.