The Regions Bank is a personal credit card from Regions Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 16.74% - 26.74% variable (pricing information dated October 1, 2026) after a 0% intro APR on purchases and on balance transfers posted within 60 days of account opening introductory rate for 18 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: Cash back at select retailers through Regions Offers®; requires Regions Online Banking enrollment and offer activation; no earn rate listed. This product reports activity to your personal credit report. A solid long 0% APR runway with security features—excellent for debt payoff or large purchases without interest. Regions Prestige Visa Signature. BT Fee: $10 or 4% of each transfer, whichever is greater. Post-intro APR: Variable, approximately 16.24%–26.24%