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 18.74% - 28.74% 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 12 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: $200 bonus for spending $1,000 in the first 90 days, or $100 bonus for spending $500. Rewards: 1.5% cash back on all qualifying purchases. This product reports activity to your personal credit report. Great for needing a 0% APR window with flat-rate cashback—simple and straightforward. First Citizens Smart Option (Low-Interest) Visa Card. BT Fee: $10 or 4%, whichever is greater. Post-intro APR: Variable, approx. 18.24%–28.24%