What Regions Bank Credit Cards Offer

Regions Bank offers several credit card products through its retail and business divisions. The main consumer cards include cash back rewards cards, travel rewards cards, and cards designed for people rebuilding credit. Each card comes with different rewards structures, annual fees, and introductory offers that vary by product.

Regions is a regional bank headquartered in Birmingham, Alabama, with branches across the South and Midwest. Its credit cards are issued by Regions Bank itself, not by a third-party processor, which means customer service and account management happen directly through Regions' systems and branches.

The specific cards available to you depend on your location, credit history, and which Regions branch or online portal you use to look. Not all products are offered in all states, and some require you to be an existing Regions customer.

Key Takeaways

  • Regions offers cash back, travel rewards, and credit-building cards, but not all products are available in every state or to non-customers.
  • You can start the process process online through Regions' website, by phone, or in person at a Regions branch.
  • Approval decisions typically come within one to three business days, and you can set up your card when ready after approval if you receive it by mail or in branch.
  • Regions charges annual fees on some cards and no annual fee on others, so compare the specific card's terms before you explore.
  • Once approved, you manage your account through Regions' online banking portal or mobile app, the same way you would manage a checking account.

how the process works for a Regions Credit Card

You can begin an process online at regions.com, by calling Regions' credit card phone line, or by visiting a Regions branch in person. The online route is fastest—you fill out your personal information, income, and employment details on a single form, and Regions tells you whether you are approved before you finish.

You will need your Social Security number, date of birth, current address, and information about your income and employment. Have a government-issued ID available if you explore in person. If you are explore for a business card, you will also need your business tax ID or EIN.

After you submit your process, Regions pulls your credit report and makes a decision. Most decisions come back within one to three business days. If Regions needs more information—such as proof of income or address—they will contact you by phone or email with instructions on what to send.

If you are approved, Regions mails your card to the address on your process, usually within five to ten business days. Some branches can issue a card on the spot if you explore in person, though this depends on the specific location and card product.

Activating Your Card and Setting Up Online Access

When your card arrives, you must set up it before you can use it. Call the number on the back of the card or log into your Regions online banking account and follow the set up prompt. set up takes a few minutes and confirms that you received the card and that it is in your possession.

If you are already a Regions customer with a checking or savings account, your credit card account links automatically to your existing online banking login. You see both your deposit accounts and your credit card in one dashboard.

If you are a new customer opening only a credit card, Regions sets up a separate online banking profile for you during set up. You choose a username and password, and you can then view your balance, make payments, and manage your account settings from any device.

Regions also offers a mobile app where you can check your balance, make payments, and set up alerts for due dates or when your balance reaches a certain amount. The app is available on iOS and Android.

Making Payments and Managing Your Balance

You can pay your Regions credit card bill online through your Regions banking portal, by phone, by mail, or in person at a branch. Online and phone payments typically post within one business day. Mail payments take five to seven business days, so plan ahead if you pay by check.

Your monthly statement shows your due date, minimum payment, and current balance. Regions sends statements by mail or email, depending on your preference. You can change your statement delivery method in your online account settings.

If you set up automatic payments, Regions deducts your chosen amount from a linked bank account on your due date each month. You can pay the full balance, the minimum payment, or a fixed amount you choose. Automatic payments reduce the risk of missing a due date.

Late payments are reported to credit bureaus and may result in late fees. Regions typically charges a late fee if your payment arrives more than 15 days after the due date. Your card's terms and conditions spell out the exact late fee amount.

Understanding Rewards, Fees, and Interest Rates

Regions' cash back cards typically earn 1% to 2% cash back on purchases, with some cards offering bonus categories like 3% back on gas or groceries. Rewards post to your account monthly and can be redeemed as a statement credit, transferred to a linked bank account, or used to pay your balance.

Travel rewards cards earn points per dollar spent, and points can be redeemed for flights, hotels, or other travel expenses through Regions' travel portal. The redemption value varies depending on what you book and when you redeem.

Annual fees range from zero to several hundred dollars depending on the card. Some cards waive the annual fee for the first year, then charge it on your anniversary date each year after. Check your card's specific terms to know when and how much you will be charged.

Your interest rate (called the APR, or annual percentage rate) depends on your credit score and credit history. Regions publishes a range for each card—for example, 16.99% to 24.99%—and you find out your exact rate after approval. Some cards offer an introductory 0% APR period on purchases or balance transfers for a set number of months.

What Happens If You Miss a Payment or Carry a Balance

If you carry a balance from month to month, Regions charges interest on the unpaid amount at your card's APR. Interest accrues daily and is added to your statement each month. The longer you carry a balance, the more interest you pay.

If you miss a payment, Regions reports it to credit bureaus after 30 days of non-payment. A 30-day late payment stays on your credit report for seven years and can lower your credit score by 100 points or more. Regions may also increase your interest rate if you miss a payment.

If you fall behind on multiple payments, Regions may freeze your account or close it. A closed account still reports to credit bureaus and still requires you to pay the balance, but you cannot use the card for new purchases.

If you are struggling to pay, contact Regions' customer service before you miss a payment. Some cardholders are able to work out a payment plan or temporary hardship arrangement, though this depends on your situation and Regions' policies at the time.

Closing Your Account or Downgrading to a Different Card

You can close your Regions credit card at any time by calling customer service or visiting a branch. Closing the account does not erase your balance—you still owe what you charged, and Regions continues to charge interest until you pay it off.

Closing a credit card can lower your credit score because it reduces your total available credit and may increase your credit utilization ratio (the percentage of your total credit limit that you are using). The impact is usually temporary and lessens over time.

If you want to keep your account open but switch to a different Regions card—for example, from a cash back card to a travel rewards card—you can often downgrade without closing the account. Call customer service to ask whether your card can be downgraded and what the process looks like.

Before you close any credit card, pay off the balance in full. Regions will not close the account until the balance reaches zero, and you will continue to be charged interest on any remaining balance.

Frequently Asked Questions

Can I use my Regions credit card at ATMs to withdraw cash?

Yes, you can use your Regions credit card at any ATM to withdraw cash, but this is treated as a cash advance, not a regular purchase. Cash advances usually have a higher interest rate than purchases, come with an upfront fee (often 3% to 5% of the amount withdrawn), and start accruing interest when ready with no grace period.

What should I do if my card is lost or stolen?

Call the number on the back of your card or contact Regions customer service when ready. Regions can freeze your account right away to prevent unauthorized charges. You are not responsible for fraudulent charges reported within 60 days, and Regions will mail you a replacement card within five to ten business days.

Do I need to be a Regions Bank customer to get a credit card?

No, you do not need an existing Regions checking or savings account to open a credit card. However, some card products may be limited to existing customers or to people in certain states. Check Regions' website or call to confirm which cards are available to you.

How do I dispute a charge on my Regions credit card?

Log into your online account, find the charge you want to dispute, and select the dispute option. You can also call customer service and explain the charge. Regions investigates disputes and typically resolves them within 30 to 60 days. During the investigation, the charge may be temporarily removed from your balance.

What is the grace period on a Regions credit card?

Most Regions credit cards offer a grace period of 21 to 25 days from the statement closing date to the due date. During this period, you can pay your balance in full without paying any interest. If you carry a balance from month to month, interest starts accruing when ready on new purchases.