Our illustration, not the card’s design
Regions credit card
Regions Cash Rewards Credit Card
- Bonus up · $100 to $200 · Oct 10, 2026
No annual fee. $100 Cash Rewards after you spend $500 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 $100 bonus Cash Rewards , which can be redeemed for a check or a credit to your Regions credit card or deposit account, if your net purchases made in the first 90 days total $500 or more — and when those net purchases total at least $1,000, you'll earn an additional $100 bonus Cash Rewards.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · regions.com
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
$100 cash
After you spend $500 on purchases in your first 3 months.
- Spending it takes
- $167 a month
- for 3 months
- Tracking since
- Oct 21, 2026
- history will chart every change
Redeemable for a check or a credit to your Regions credit card or deposit account. If earned, the bonus is awarded 91-100 days from account opening.
- Below its best earlier offer we’ve seen: $200.
- Smaller than about 90% 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 | $280 | $180 | |
| Typical spender | $550 | $450 | |
| Heavy spender | $1,090 | $990 |
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
$180a year
$280 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$450a year
$550 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.
$990a year
$1,090 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.
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 80% of the 732 cards we track.
- No annual fee, like about 95% of the 48 cards on our Cash back list (see the list).
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$160 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$150 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$150 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
Cash Rewards
How you earn
- 1.5%
- Everything else
Cash back, as a share of each purchase.
Benefits
- Other
- Other
- Travel accident
- Roadside
- Baggage
All 9 benefits
- Emergency assistance
- Rental car
- Extended warranty
- Purchase protection
Changes
- Oct 10, 2026 Bonus $100 to $200
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · regions.com 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% intro 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% intro 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 · regions.com, since Oct 1, 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?
- $100 cash back after $500 in purchases in 3 months. · regions.com, since Oct 21, 2026