Our illustration, not the card’s design
Regions credit card
Sage Business Enhanced Visa® Credit Card
No annual fee. $300 cash back after you spend $3,000 in 3 months. Purchase APR 16.24–26.24%, variable.
Checked Oct 21, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Oct 21, 2026
Issuer's page · regions.com
“For a limited time, earn $300 in bonus cash back after spending $3,000 or more in the first 90 days of account opening.”
- Annual fee
- Receipt · Annual feeChecked Oct 21, 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 Oct 21, 2026
Issuer's page · regions.com
“16.24%- 26.24%”
- Foreign transactions
- Receipt · Foreign transactionsChecked Oct 21, 2026
Issuer's page · regions.com
“Foreign transaction fee of 3% of the transaction amount in U.S. dollars.”
Select an underlined figure to see where it comes from.
Regions’s terms
Welcome offer
$300 cash
After you spend $3,000 on purchases in your first 3 months.
- Spending it takes
- $1,000 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
For a limited time, earn $300 in bonus cash back after spending $3,000 or more in the first 90 days of account opening.
- Larger than about 75% 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 | $540 | $240 | |
| Typical spender | $900 | $600 | |
| Heavy spender | $1,620 | $1,320 |
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¢.
$240a year
$540 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¢.
$600a year
$900 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¢.
$1,320a year
$1,620 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 Oct 21, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 100% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
- Lower top APR than about 80% of the 163 cards on our Sign-up bonuses list (see the list).
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$155 a year
- CareCredit MastercardSynchrony · No annual fee+$110 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$95 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
- 2×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
Benefits
- Visa Travel & Emergency Assistance
- Save up to 15% on business purchases with designated merchants through the Visa SavingsEdge program.
- View and activate Regions Offers in Online and Mobile Banking to earn cash back at select retailers.
- Visa Zero Liability Policy
- Tap to Pay contactless payment option
All 10 benefits
- Alerts to verify card activity
- 24-hour customer service
- Purchase protection
- Emergency assistance
- Rental car
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Oct 21, 2026 Issuer's page · regions.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Oct 21, 2026 Issuer's page · regions.com “16.24%- 26.24%” |
| Intro APR | Receipt · Intro APRChecked Oct 21, 2026 Issuer's page · regions.com “0% introductory APR for 6 months. a” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Oct 21, 2026 Issuer's page · regions.com “16.24% – 26.24% APR for balance transfers based on the business' creditworthiness and other factors determined at the time of account opening.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Oct 21, 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 Oct 21, 2026 Issuer's page · regions.com “27.99% APR for cash advances.” |
| Cash advance fee | Receipt · Cash advance feeChecked Oct 21, 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 Oct 21, 2026 Issuer's page · regions.com “Late payment fee of up to $49.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Oct 21, 2026 Issuer's page · regions.com “Foreign transaction fee of 3% of the transaction amount in U.S. dollars.” |
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?
- Yes: 3% of the transaction amount in U.S. dollars. · regions.com, since Oct 21, 2026
- What is the purchase APR?
- 16.24–26.24% 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?
- $300 cash back after $3,000 in purchases in 3 months. · regions.com, since Sep 30, 2026