The Regions Cash Rewards Visa is a personal credit card from Regions Cash Rewards Visa. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.49% - 28.49% after a 0% introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: $200 bonus or $100 bonus. Rewards: 1.5% cashback on all purchases; redeemable for cash, credit, or deposit. 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%