Regions Premium Visa Signature Credit Card

Regions Premium Visa Signature Credit Card Review

This is a rewards card issued by Regions Bank. If you're wondering whether Regions Premium Visa Signature Credit Card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Competitive APRs. Regions Premium Visa Signature Credit Card has a variable purchase APR of 14.24%
• 4% Balance transfer fee. Regions Premium Visa Signature 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 Auto Rental Collision Damage Waiver, access to a concierge, emergency support, extended warranty protection on purchases, price protection, purchase security, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.

Pros & Cons of Regions Premium Visa Signature Credit Card

The Good

The Bad

Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. 0% APR on new purchases during the first 12 months. There is then a variable purchase APR of 14.24%. Multiple credit card perks. Offers Auto Rental Collision Damage Waiver. Access to a concierge. Extended warranty and price protection on purchases. Travel accident and travel assistance insurance. Trip Cancellation and Interruption Protection. No foreign transaction fee. Cardholders can earn rewards on their purchases. Regions Premium Visa Signature Credit Card reports to multiple credit bureaus.

Charges an annual fee of $125 Does not offer a signup bonus. You don't earn rewards on every purchase. Charges a 4% balance transfer fee

Regions Premium Visa Signature Credit Card FAQ

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

Regions Premium Visa Signature Credit Card is a rewards card.

Regions Premium Visa Signature Credit Card Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Regions Premium Visa Signature Credit Card benefits?

It provides the following benefits:

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

What are the relevant APRs for Regions Premium Visa Signature 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 Premium Visa Signature Credit Card has a variable purchase APR of 14.24%. The card has a variable balance transfer APR of 14.24% . It also has a variable cash advance APR of 25.24% .

What are the fees for Regions Premium Visa Signature Credit Card?

The following fees apply:

Regions Premium Visa Signature Credit Card Fees

Fees	Amount
Annual Fee	$125
Overlimit Fee	$
Initial Program Fee	$
Foreign Transaction Fee	0%
Returned Payment Fee	$
Late Payment Fee	$39

This card charges a $125 annual fee.

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

Yes, Regions Premium Visa Signature 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 Premium Visa Signature Credit Card

• Visit the Regions Premium Visa Signature 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.