Regions Bank Credit Cards


Updated: September 25, 2018

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Regions Bank is one of the largest financial institutions in the United States. Therefore, it shouldn’t be surprising that there is quite a decent selection of Regions Bank credit cards, which the bank offers to its customers. In this article, we will review the best cards from Regions Bank and also explore how to apply for a Regions credit card online.

Best Credit Cards from Regions Bank

Regions Bank offers some decent credit cards to its customers, but not all of them are that good. In this article, we will review 3 most popular Regions Bank credit card: a secured credit card, a rewards credit cards (which comes with a variety of other features), and a premium credit card that comes with a hefty fee.

Regions Explore Visa Credit Card

Regions Explore Visa Credit Card

Annual fee: $29.

Purchase APR: 24.49%.

Recommended credit score: from 620 to 850.

Most suitable for: customers who have a low credit score and who are seeking to get a secured credit card.

Credit card features:

Apply Here

 

Actually, Regions Bank recently came out with this new secured credit card, which targets the customers with low credit score. The aim of this Regions credit card is to provide the individuals with low credit score access to credit cards, which, in turn, will allow them to improve their credit score in the long run. But does this credit card cope with the challenge effectively?

Indeed, one needs a comparatively low credit score in order to apply for this secured credit card from PNC Bank. However, this PNC credit card also comes with an annual fee of $29, while offering little incentive to apply for it.

Considering that this is a secured credit card, you will have a credit line that depends on how much you have deposited into your Regions savings account. Apart from that, it offers some features that come from Visa: auto rental collision damage waiver, cash disbursement, and emergency card replacement. The card also has a zero fraud liability, which means that you are not responsible for unauthorized use of your credit card. After all, this Explore Visa Credit Card has a 0% foreign transaction fee, which is quite irrelevant for the card from this category.

As you could see from this review, the card barely offers any advantages but, instead, charges a hefty annual fee. It comes without actual bonuses – except of the 0% foreign transaction fee, which, however, might barely be useful for the customers seeking this type of credit cards. This credit card is worth applying for only if you cannot apply for anything else, but there are better secured credit cards on the market even in such a case.


Regions Prestige Visa Signature Credit Card

Regions Prestige Visa Signature Credit Card

Annual fee: $0.

Purchase APR: from 14.74% to 23.74%.

Recommended credit score: from 680 to 850.

Most suitable for: customers who want to enjoy cash back rewards along with other benefits, such as an intro APR period.

Credit card features:

Apply Here

 

Unlike the PNC credit card that had been reviewed previously, Regions Prestige Visa Signature offers quite a good selection of benefits and comes without an annual fee. As a matter of act, this card offers a mix of features and can compete with the market’s top no-annual fee credit cards (such as Wells Fargo Cash Wise).

Let’s look into the details what this PNC card offers. And there are plenty of things to mention. First of all, this credit comes without an annual fee, which is quite a difference from the previously reviewed PNC card. Secondly, the card offers a cash back rewards rate of 1% on all purchases you make, which, however, tends to be a rather low reward rate. Yet, you will enjoy the introductory cash back rewards rate of 2% on all purchases during the first 90 days (keep in mind, however, that the points expire in three years).

Apart from it, this PNC credit card also offers you a welcome bonus of $100, if you manage to spend $500 in the first three months. Even though Chase Freedom Unlimited, for example, offers a welcome bonus of $150, the offer from PNC Bank is not bad either. Additionally, you will enjoy the 0% intro APR period on both balance transfers and purchases in the first 12 months. The benefits from Visa Signature are worth mentioning too and include travel accident insurance, lost luggage reimbursement, concierge services, rental car insurance, and extended warranties on selected products.

We would especially recommend applying for this credit card if you are planning to make big purchases. That will allow you to get a decent rewards rate on those big purchases (keep in mind the 2% cash back rewards rate in the first 90 days), while the 12-month long intro APR period will allow you to pay it off. All in all, this credit card from PNC bank has a mix of features and benefits and is not limited to solely cash back rewards. And it is quite a decent option in case you are seeking a credit card.


Regions Premium Visa Signature Credit Card

Regions Premium Visa Signature Credit Card

Annual fee: $125.

Purchase APR: 13.24%.

Recommended credit score: from 680 to 850.

Most suitable for: heavy spenders who would get a good value during the first year of this credit card.

Credit card features:

Apply Here

 

Regions Premium Visa Signature card was designed to be an enhanced version of Regions Prestige card, but there may be reasonable doubts regarding which product is better. While Regions Prestige card does not have an annual fee and offers a large number of perks, this credit card comes with a staggering annual fee of $125. And one may seriously wonder whether the card is worth it.

Regions Premium card is centered around cash back rewards, but one may not say that there are that way high. Indeed, you will enjoy the 3% cash back rewards rate during the first 90 days. After the first three months, nonetheless, it will be dropped to 1.5%, which is something that Freedom Chase Unlimited offers (and, in addition to that, doesn’t have an annual fee). Besides, the points expire after 36 months, so make sure to redeem them on time.

Another feature that seems appealing in this credit card is the 30,000 points worth welcome bonus, which can be redeemed towards $300 in cash. But in order to get this welcome bonus, you need to spend as much as $3,000 during the first 90 days! That’s quite a lot. And even though the bonus is generous, one shouldn’t forget about the card’s annual fee.

After all, this PNC credit card also has all the other features of the previously reviewed Regions Prestige card. For instance, it has a 0% foreign transaction fee, all the Visa Signature benefits, and 0% intro APR period on purchases and balance transfers during the first 12 months.

To sum up, this credit card from PNC Bank leaves mixed feelings. It comes with strong, worthwhile benefits and features, but the hefty annual fee makes it an unreasonable choice for many customers. You should pursue applying for this credit card only if you are a big spender and would be able to get more value back in benefits than you would pay such a high annual fee.


How to Log In To Regions Credit Card Account

If you have already obtained a credit card from Regions Bank, then you are able to manage it online. For that purpose, you should enroll in the online banking program of Regions Bank. That, in turn, will allow you to make different manipulations with your Regions credit card online, including paying bills, making transactions, or getting credit card statements.

In this simple way, you can log in to your credit card account with Regions Bank online:

  • The first thing you have to do is to launch a new tab in your browser and go to the following website: https://www.regions.com/.

access your regions credit card online

  • On the main page of the bank’s website, you will get to see the online banking form, placed in the right-upper part of the page. Now, you can start accessing your credit card account.
  • At first, you should enter the username of your online banking account in the first field.

log in to regions bank credit card account

  • Then, you have to type your password in the next field of that form.
  • You are also able to check the box near “Remember Me” and save your username for future sessions.
  • Eventually, you have to click on the “Log In” button. Right after that, you will access your credit card online.

How to Apply for a Regions Credit Card

If you don’t have a credit card with Regions Bank yet, you can apply for a credit card you wish. After selecting a credit card among all other credit cards offered by this bank, you will have to complete a short and quick procedure in order to apply for the selected credit card.

You are able to apply for a credit card from Regions Bank in the following way:

  • In the first place, you have to launch a new tab in your browser and go to the following webpage: https://www.regions.com/.

best regions bank credit cards

  • On the Regions Bank’s website, you should go to Personal > Borrow.

best credit cards from regions bank online

  • On the next page, you have to click on the “Credit Cards” menu item.

how to apply for a regions credit card online

  • Right after that, you will get to see the entire selection of Regions Bank credit cards. You have to click on the “Apply Now” button under the card that you have selected.

how to get a credit card from regions bank

  • Next, you will get to see which documents you will have to bring. Collect the required documents and visit the closest branch of the Regions Bank (it can be located right on this page).

regions bank online application

Regions Bank Credit Cards
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