The Regions Life Visa is a personal credit card from Regions Life Visa. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.49% - 26.49% after a 0% introductory rate for 18 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: Regions Offers ℠ (cashback based on local merchant promotions, not standard points/cash rates). 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%