The Regions Bank is a business credit card from Regions Bank. Application typically pulls a hard report from Experian. The annual fee is No annual fee.. The ongoing APR is After that, a variable APR between 18.49% - 28.49% variable APR based on your creditworthiness. after a 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. introductory rate for 12 months. Signup bonus: Earn a $200 bonus if you spend $1,000 in the first 90 days after account opening.. Rewards: Earn up to 4% on purchases.. Cash back: up to 4%. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Primary bureau pull: TransUnion per community data.