Our illustration, not the card’s design
Regions credit card
Wealth Credit Card
$125 a year. 30,000 Relationship Rewards points after you spend $2,000 in 3 months. Purchase APR 17.74%, variable. No foreign transaction fees.
Checked Oct 21, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Oct 21, 2026
Issuer's page · regions.com
“Earn 30,000 bonus points (a $300 cash value) if you spend $2,000 in the first 90 days after account opening.”
- Annual fee
- Receipt · Annual feeChecked Oct 21, 2026
Issuer's page · regions.com
“$125 annual fee”
- Purchase APR · variable
- Receipt · Purchase APRChecked Oct 21, 2026
Issuer's page · regions.com
“17.74% variable APR on purchases and balance transfers”
- Foreign transactions
- Receipt · Foreign transactionsChecked Oct 21, 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
30,000 points
After you spend $2,000 on purchases in your first 3 months.
- Spending it takes
- $667 a month
- for 3 months
- Tracking since
- Sep 29, 2026
- history will chart every change
Spend $2,000 in the first 90 days after account opening. If earned, the bonus will be awarded 91-95 days from account opening. The bonus has a stated $300 cash value.
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 | $475 | $175 | |
| Typical spender | $925 | $625 | |
| Heavy spender | $1,825 | $1,525 |
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
$175a year
$475 the first year, with the welcome bonus.
Rewards and credits$300
You keep $175−$125 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$625a year
$925 the first year, with the welcome bonus.
Rewards and credits$750
You keep $625−$125 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$1,525a year
$1,825 the first year, with the welcome bonus.
Rewards and credits$1,650
You keep $1,525−$125 annual fee
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 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.
- Lower top APR than about 100% of the 163 cards on our Sign-up bonuses list (see the list).
Other points cards with fees up to $300
- Hilton Honors American Express SurpassAmerican Express · $150 a year−$125 a year
- Business Essentials PlusUS Bank · $295 a year−$210 a year
- Air Canada AeroplanChase · $195 a year−$350 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
- 2.5×
- Everything else
Points per dollar.
Benefits
- TSA PreCheck or Global Entry statement credit: $100 every 4 years
- $100 statement credit for TSA PreCheck or Global Entry once every four years
- Travel accident
- Roadside
- Baggage
All 13 benefits
- Emergency assistance
- Rental car
- Extended warranty
- Purchase protection
- Cell phone
- Other
- Other
- Other
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Oct 21, 2026 Issuer's page · regions.com “$125 annual fee” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Oct 21, 2026 Issuer's page · regions.com “17.74% variable APR on purchases and balance transfers” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Oct 21, 2026 Issuer's page · regions.com “17.74% variable APR on purchases and balance transfers” |
| 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 “28.74% variable 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 $39” |
| Foreign transactions | Receipt · Foreign transactionsChecked Oct 21, 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?
- $125 · regions.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · regions.com, since Oct 21, 2026
- What is the purchase APR?
- 17.74% APR · regions.com, since Sep 29, 2026
- Is there a welcome bonus?
- 30,000 Relationship Rewards points after $2,000 in purchases in 3 months. · regions.com, since Oct 7, 2026