Life Credit Card
No annual fee. Purchase APR 16.74–26.74%, variable.
- Annual fee
- Issuer's pageregions.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pageregions.com
“After that, a variable APR between 16.74% - 26.74% based on your creditworthiness.”
- Foreign transaction fee
- Issuer's pageregions.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
- Lower top APR than about 65% of the 50 cards on our 0% intro APR list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rates and fees
| Annual fee | Issuer's pageregions.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pageregions.com “After that, a variable APR between 16.74% - 26.74% based on your creditworthiness.” |
| Intro APR | Issuer's pageregions.com “0% intro APR for 18 months on purchases that post in the same period and on balance transfers that post within 60 days of account opening.” |
| Balance transfer APR | Issuer's pageregions.com “0% intro APR for 18 months on purchases that post in the same period and on balance transfers that post within 60 days of account opening.” |
| Balance transfer fee | Issuer's pageregions.com “$10 balance transfer fee or 4% of the amount of the balance transferred, whichever is greater.” |
| Cash advance APR | Issuer's pageregions.com “28.74% variable APR for cash advances.” |
| Cash advance fee | Issuer's pageregions.com “$10 cash advance fee or 4% of the amount of the cash advance, whichever is greater.” |
| Late payment | Issuer's pageregions.com “Late payment fee of up to $39.” |
| Foreign transactions | Issuer's pageregions.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Regions LockIt® transaction controls
- May receive Term It® offers on qualifying purchases after introductory APRs terminate
- Alerts to verify card activity
- Visa Click to Pay
- Tap to Pay contactless payment
- Digital wallet support for Apple Pay®, Google Pay®, and Samsung Pay™
- Option to use the card for overdraft protection on a Regions checking account
- Emergency assistance
- Rental car
- Extended warranty
- Purchase protection
Questions
- What is the annual fee?
- No annual fee regions.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. regions.com, since Sep 29, 2026
- What is the purchase APR?
- 16.74–26.74% APR regions.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for 18 months. regions.com, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$710 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$650 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$625 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).