This offer applies only to the individual identified in the email for this offer and may not be combined with any other offer. See below for important information about the terms and conditions of this offer.
1 The amount of any returned purchase for which a credit is provided within the 90-day period will not count toward the amount needed to earn cash rewards. If earned, the bonus will be awarded after the end of this 90-day period. If you meet the requirements for this special bonus offer, no other offer for bonus cash rewards will apply. If you don't meet the requirements of this offer, but you spend $500 or more, you will earn a $100 bonus.
2 Rewards are not awarded for any purchases of items that can be traded right away for cash (such as wire transfers, money orders, traveler's checks, lottery tickets or casino chips) or any other cash advances, balance transfers, fees, interest charges, or unauthorized or fraudulent purchases.
3 Additional cash back on entertainment, dining, gas and grocery store purchases are awarded based on the merchant category code (MCC) assigned to the merchant where you made the purchase. Regions does not control which MCC a merchant is assigned; it is based on the primary good or service the merchant sells. If a merchant’s MCC does not match the MCC for one of these categories, 1% will be awarded for the purchase. For more information, visit regions.com/prestigecard. This Program is a bonus available in connection with certain Regions deposit accounts. The Annual Percentage Yield (APY) for currently offered interest bearing consumer deposit accounts whose balances are used to calculate the Total Average Deposit Balance is available at www.regions.com. Visit the applicable product page and click the “Details” tab and/or enter your zip code for interest rates and APYs in your area. Select LifeGreen Preferred Checking, LifeGreen Savings, Savings, Savings for Minors, Now Savings, Money Market, Premium Money Market, CD, IRAs.
4 To avoid paying interest on new purchases that post after the 12th billing cycle, you must repay your entire balance (including any balances for purchases and balance transfers at the 0% APR rate) by the due date that falls within the 13th billing cycle.
5 PRICING INFORMATION FOR REGIONS PRESTIGE AND CASH REWARDS VISA® SIGNATURE CREDIT CARDS
The table below summarizes certain costs for new Regions Prestige and Cash Rewards Visa® Signature Credit Card Accounts. Each Account is governed by the Credit Card Agreement sent with the Card, which contains the full terms and conditions of the Account. Regions may change the interest rates, fees and other terms as provided in the Credit Card Agreement. This information about the costs of the cards is accurate as of July 1, 2024, but may have changed since that date. To find out what may have changed, you can call us at 1-800-253-2265. Please carefully review this information.
| Interest Rates and Interest Charges |
Annual Percentage Rate (APR) for Purchase |
0% introductory APR x for:
12 Months x for Regions Prestige and Cash Rewards After that your APR will be:
18.24%–28.24% for Regions Prestige, based on your creditworthiness and other factors as determined at the time of account opening.
19.24%–29.24% for Regions Cash Rewards, based on your creditworthiness and other factors as determined at the time of account opening.
This APR will vary with the market based on the Prime Rate. a |
APR for Term ItSM Plan |
18.24%–28.24% for Regions Prestige, based on your creditworthiness and other factors as determined at the time of account opening.
19.24%–29.24% for Regions Cash Rewards, based on your creditworthiness and other factors as determined at the time of account opening.
This APR will vary with the market based on the Prime Rate. a |
APR for Balance Transfers |
0% introductory APR y for:
12 Months y for Regions Prestige and Cash Rewards After that your APR will be:
18.24%–28.24% for Regions Prestige, based on your creditworthiness and other factors as determined at the time of account opening.
19.24%–29.24% for Regions Cash Rewards, based on your creditworthiness and other factors as determined at the time of account opening.
This APR will vary with the market based on the Prime Rate. a |
APR for Cash Advances |
30.24%
This APR will vary with the market based on the Prime Rate. b |
How to Avoid Paying Interest on Purchases |
Your due date is at least 21 days after the close of each billing cycle.
For Purchases placed in Term It Plans — We will begin charging interest on the purchase on the date you place it in a Term It Plan.
For Other Purchases — We will not charge interest on purchases if you pay your entire balance minus any balance owed on Term It Plans, plus any monthly Term It Plan payments, by the due date each month. |
Minimum Interest Charge |
If you are charged interest, the charge will be no less than $1.50. |
For Credit Card Tips from the Consumer Financial Protection Bureau |
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore. |
| Fees |
Annual Fee |
None |
Transaction Fees:
• Balance Transfer |
Either $10 or 4% of the amount of each transfer, whichever is greater |
• Cash Advance |
Either $10 or 4% of the amount of each cash advance, whichever is greater |
• Foreign Transaction |
None |
Penalty Fees
• Late Payment |
Up to $39 |
How We Will Calculate Your Balance: We use a method called "average daily balances (including new transactions)." See your account agreement for more details.
Loss of Introductory APR: We may end your introductory APR and apply the applicable Standard Rate if you make a late payment.
Additional Terms and Conditions
Variable Rates: Variable Rates on the Account are calculated by adding together an index and a margin. The margins are shown below. The index is the highest U.S. Prime Rate as published in the "Money Rates" section of The Wall Street Journal on the last publication day of each month. An increase or decrease in the index will cause a corresponding increase or decrease in your variable rates on the first day of your billing cycle that begins in the same month in which the index is published. An increase in the index means that you will pay higher interest charges and have a higher Total Minimum Payment Due. If The Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, the Bank may, in its sole discretion, substitute another index.
- a Standard Rates for Purchases, Term It Plans, and Balance Transfers:
- Regions Prestige — The Wall Street Journal Prime + a margin of 9.74%–19.74%
- Regions Cash Rewards — The Wall Street Journal Prime + a margin of 10.74%–20.74%
- b Standard Rate for Cash Advances:
- The Wall Street Journal Prime + a margin of 21.74%
x Introductory Rate on Purchases applies through the end of either the 12th monthly billing cycle (for Regions Prestige and Cash Rewards Accounts) after the Account is opened for all Purchases posted to the Account during the same period. When this Introductory APR terminates, any remaining balance that had been subject to the Introductory APR will accrue interest at the Standard APR for Purchases disclosed above, as it may be changed under the Agreement.
y Introductory Rate on Balance Transfers applies through the end of either the 12th monthly billing cycle (for Regions Prestige and Cash Rewards Accounts) after the Account is opened for all Balance Transfers posted within 60 days of Account opening. When this Introductory APR terminates, any remaining balance that had been subject to the Introductory APR will accrue interest at the applicable Standard APR for Balance Transfers disclosed above, as it may be changed under the Agreement.
© 2024 Regions Bank. All Rights Reserved.
Regions and the Regions logo are registered trademarks of Regions Bank. The LifeGreen color is a trademark of Regions Bank.
