Regions Prestige Visa® Signature Credit Card
VisaIssued by Regions Bank
Earn 3x points on dining and entertainment, 2x points on gas and groceries, and 1x point on all other purchases.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
18.49% – 28.49%
0% intro APR for 12 months. Rate based on Creditworthiness and Prime Rate.
SIGN-UP BONUS
20000
Earn up to 20,000 bonus points: Earn 10,000 bonus points after spending $500 on qualifying purchases in the first 90 days. Earn an additional 10,000 bonus points if your net purchases total at least $1,000 within the same 90-day period.
TOP POINTS
3X points
Earn 3 Relationship Rewards points per $1 spent on dining purchases.
Key Benefits
- Earn 3 Relationship Rewards points per $1 spent on dining and entertainment
- Earn 2 Relationship Rewards points per $1 spent on gas and grocery store purchases
- Earn 1 point per $1 spent on all other eligible purchases with no earning caps
- Qualify for the Rewards Multiplier to earn extra points if you have a qualifying Regions deposit account
- No annual fee and no foreign transaction fees
- 12-month 0% introductory APR on purchases and balance transfers
Important Limitations
- Frequent international travel (no foreign transaction fee, but limited travel multipliers)
- Users who prefer a flat-rate cash back card without tracking categories
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Dining Purchases | 3X points | Unlimited (no annual cap) | Earn 3 Relationship Rewards points per $1 spent on dining purchases. |
| Entertainment | 3X points | Unlimited (no annual cap) | Earn 3 Relationship Rewards points per $1 spent on entertainment purchases. |
| Gas Purchases | 2X points | Unlimited (no annual cap) | Earn 2 Relationship Rewards points per $1 spent on gas purchases. |
| Grocery Store Purchases | 2X points | Unlimited (no annual cap) | Earn 2 Relationship Rewards points per $1 spent on grocery store purchases. |
| All | 1X point | Unlimited (no annual cap) | Earn 1 Relationship Rewards point for every $1 spent on all other purchases. |
Fees & APR
ANNUAL FEE
$0
INTRO APR (12 MONTHS)
0%
REGULAR PURCHASE APR
18.49% – 28.49%
CASH ADVANCE APR
28.49% – 28.49%
FOREIGN TRANSACTION FEE
0%
LATE PAYMENT FEE
$39
BALANCE TRANSFER FEE
$10 OR 4%
CASH ADVANCE FEE
$10 OR 4%
Card Protection & Benefits
Visa Signature Concierge
- ✓Complimentary 24/7 assistance to help with travel booking, dining reservations, and finding tickets to events.
Visa Signature Luxury Hotel Collection
- ✓Access to exclusive benefits like room upgrades and food & beverage credits at over 900 premium properties worldwide.
Security Features
- ✓Zero Liability – Protects you against unauthorized purchases made online or off-line.
- ✓Regions LockIt – Customize how, when, and where your credit card is used directly from the mobile app.
Best Use Cases
IDEAL FOR
- Existing Regions Bank customers who can leverage the Rewards Multiplier
- Consumers who spend heavily on dining, entertainment, gas, and groceries
- Users seeking a competitive 0% introductory APR without an annual fee
NOT RECOMMENDED FOR
- Frequent international travel (no foreign transaction fee, but limited travel multipliers)
- Users who prefer a flat-rate cash back card without tracking categories
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $1,000.00 to unlock $20,000.00 bonus
- Effective 2000% return on first $1,000.00
- 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 18.49% – 28.49% APR kicking in
- Calculate monthly payments needed
Earn More Points
- 3X points on Dining Purchases
- 3X points on Entertainment
- 2X points on Gas Purchases
- 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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