Regions Bank Visa® Business Enhanced
VisaIssued by Regions Bank
Earn an effective 2 points per $1 (with automatic match) on all purchases, plus a $300 welcome bonus.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
15.99% – 25.99%
0% intro APR for 12 months. Rate based on Creditworthiness and Prime Rate.
SIGN-UP BONUS
300
Earn a $300 introductory rewards bonus when you spend $3,000 on qualifying purchases within the first 90 days following account opening.
TOP POINTS
2 points per $1 (with match)
Earn a base of 1 Relationship Reward point per $1 spent on all net purchases, plus an automatic 1% cash back match from Regions, effectively yielding 2% back on everything.
Key Benefits
- Earn an effective 2% cash back (2 points per $1) on all net purchases with the automatic Regions match
- 0% introductory APR on purchases for the first 12 billing cycles
- Flexible Corporate Billing or Individual Billing statement options
- Set individual credit limits and spending controls by merchant category for employees
- Integrates with Regions Credit Cards Online for reporting and transaction details
Important Limitations
- Frequent international travel (the card carries a 3% foreign transaction fee)
- Companies seeking tiered rewards specifically heavily skewed towards travel or specific business categories
Rewards Structure
All
2 points per $1 (with match)Annual limits
Unlimited (no annual cap)
Details
Earn a base of 1 Relationship Reward point per $1 spent on all net purchases, plus an automatic 1% cash back match from Regions, effectively yielding 2% back on everything.
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| All | 2 points per $1 (with match) | Unlimited (no annual cap) | Earn a base of 1 Relationship Reward point per $1 spent on all net purchases, plus an automatic 1% cash back match from Regions, effectively yielding 2% back on everything. |
Fees & APR
ANNUAL FEE
$0
INTRO APR (12 MONTHS)
0%
REGULAR PURCHASE APR
15.99% – 25.99%
FOREIGN TRANSACTION FEE
3%
LATE PAYMENT FEE
$39
BALANCE TRANSFER FEE
$10 OR 4%
CASH ADVANCE FEE
$10 OR 4%
Card Protection & Benefits
Zero Liability
- ✓Protection against unauthorized purchases, including online expenditures, if your card is lost or stolen.
Security Features
- ✓Zero Liability – Protects your business from being held liable for unauthorized transactions.
Best Use Cases
IDEAL FOR
- Businesses looking for an easy, flat-rate earning structure across all purchases
- Companies wanting an introductory 0% APR on purchases to finance initial expenses
- Existing Regions Bank customers who can easily integrate account management
NOT RECOMMENDED FOR
- Frequent international travel (the card carries a 3% foreign transaction fee)
- Companies seeking tiered rewards specifically heavily skewed towards travel or specific business categories
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $3,000.00 to unlock $300.00 bonus
- Effective 10% return on first $3,000.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Months 1–12: Use 0% APR
- Finance large purchases interest-free
- Spread purchases over months
- Create payment plan before month 13
- Avoid 15.99% – 25.99% APR kicking in
- Calculate monthly payments needed
Earn More Points
- 2 points per $1 (with match) on All
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem points at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-253-2265
Terms subject to change · View full terms
Last updated: Feb 24, 2026
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