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  Regions Life Visa Credit Card
Regions Life Visa Credit Card Unaffiliated

Regions Life Visa Credit Card

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 12.24% - 22.24%
Balance Transfer APR  (Variable APR) 12.24% - 22.24%
Credit Score Range N/A
Annual Fee $0

Regions Life Visa Credit Card Review

This is a credit card issued by Regions Bank. If you're wondering whether Regions Life Visa Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Competitive APRs. Regions Life Visa Credit Card has a variable purchase APR that ranges from 12.24% up to 22.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 4% Balance transfer fee. Regions Life Visa Credit Card charges a fee of 4% on balance transfers. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel assistance, and fraud protection.

Pros & Cons of Regions Life Visa Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months. There is then a variable purchase APR that ranges from 12.24% up to 22.24%.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel assistance insurance
  • No foreign transaction fee.
  • Regions Life Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 4% balance transfer fee.

Regions Life Visa Credit Card FAQ

Does Regions Life Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Regions Life Visa Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Regions Life Visa Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Regions Life Visa Credit Card has a variable purchase APR that ranges from 12.24% up to 22.24%. The card has a variable balance transfer APR that ranges from 12.24% up to 22.24%. It also has a variable cash advance APR of 25.24% .

Does Regions Life Visa Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.

Regions Life Visa Credit Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 12.24% - 22.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%

Does Regions Life Visa Credit Card have an intro APR offer on new purchases?

Regions Life Visa Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 15 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.

What are the fees for Regions Life Visa Credit Card?

The following fees apply:

Regions Life Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Late Payment Fee $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Regions Life Visa Credit Card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for Regions Life Visa Credit Card?

The Regions Life Visa Credit Card customer service number is (800) 734-4667.

What is the support contact email for Regions Life Visa Credit Card?

The support contact email for Regions Life Visa Credit Card is askRegions@regions.com.

What is the Regions Life Visa Credit Card login page?

You can access the Regions Life Visa Credit Card login page here.

How do people rate the customer service and user experience of Regions Life Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Regions Life Visa Credit Card report your account activity to credit bureaus?

Yes, Regions Life Visa Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Regions Life Visa Credit Card

  • Visit the Regions Life Visa Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 29 states and Washington, D.C.
  • Alabama
  • Arkansas
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Iowa
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maryland
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • North Carolina
  • North Dakota
  • Nebraska
  • Ohio
  • Oklahoma
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Virginia
  • Washington
  • Wisconsin
  • West Virginia

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 4%
Minimum Cash Advance Fee ($) $10
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Late Fee Amount $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Cash Advance APR (Variable APR) 25.24%
APR Type Variable APR
Purchase APR (Variable APR) 12.24% - 22.24%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 12.24% - 22.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%
Card Type
  • Balance Transfer
  • Low Interest
Card Network Visa

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