Our illustration, not the card’s design
Regions credit card
Prestige Credit Card
No annual fee. $200 after you spend $1,000 in 3 months. Purchase APR 18.74–28.74%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · regions.com
“Earn a $200 bonus if you spend $1,000 in the first 90 days after account opening.”
- Annual fee
- CFPB credit card survey, Dec 2025Receipt · Annual feeChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · regions.com
“After that, a variable APR between 18.74% - 28.74% based on your creditworthiness.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · regions.com
“No foreign transaction fee.”
Select an underlined figure to see where it comes from.
Regions’s terms
Welcome offer
200 $
After you spend $1,000 on purchases in your first 3 months.
- Spending it takes
- $333 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
If earned, the bonus will be awarded 91–100 days from account opening.
- Smaller than about 60% of the 48 other cash bonuses we track.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $390 | $190 | |
| Typical spender | $670 | $470 | |
| Heavy spender | $1,150 | $950 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: points valued at an assumed 1¢.
$190a year
$390 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at an assumed 1¢.
$470a year
$670 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at an assumed 1¢.
$950a year
$1,150 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 95% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$140 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$130 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$130 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Relationship Rewards
How you earn
- 3%
- dining & entertainment purchases, including fast food
- 2%
- gas purchasesgrocery store purchases
- 1%
- Everything else
Cash back, as a share of each purchase. “What it’s worth” values a point at an assumed 1¢.
Benefits
- Visa Signature Concierge Service
- Visa Zero Liability Policy
- Regions LockIt
- Term It offers may be available on qualifying purchases after introductory APRs terminate
- Regions Offers can provide cash back at select retailers when viewed and activated in Online and Mobile Banking
All 15 benefits
- Option to use the card for overdraft protection on a Regions checking account
- Card customization through Regions YourPix Studio at no additional charge
- Apple Pay, Google Pay, and Samsung Pay support
- Travel accident
- Baggage
- Emergency assistance
- Rental car
- Extended warranty
- Purchase protection
- Roadside
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · regions.com “After that, a variable APR between 18.74% - 28.74% based on your creditworthiness.” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · regions.com “0% introductory APR for 12 months on purchases that post in the same period and on balance transfers that post within 60 days of account opening.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · regions.com “0% introductory APR for 12 months on purchases that post in the same period and on balance transfers that post within 60 days of account opening.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · regions.com “$10 balance transfer fee or 4% of the amount of the balance transferred, whichever is greater.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · regions.com “28.74% variable APR for cash advances.” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · regions.com “$10 cash advance fee or 4% of the amount of the cash advance, whichever is greater.” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · regions.com “Late payment fee of up to $39.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · regions.com “No foreign transaction fee.” |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $0 · CFPB credit card survey, Dec 2025, since Oct 4, 2026
- Does it charge a foreign transaction fee?
- No. · regions.com, since Oct 21, 2026
- What is the purchase APR?
- 18.74–28.74% APR · regions.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for 12 months. · regions.com, since Sep 29, 2026
- Is there a welcome bonus?
- $200 cash back after $1,000 in purchases in 3 months. · regions.com, since Sep 29, 2026