Regions Cash Rewards Credit Card
No annual fee. Purchase APR 18.74–28.74%, 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 18.74% - 28.74% 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 | $180 | $180 |
| Typical spender | $450 | $450 |
| Heavy spender | $990 | $990 |
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 10, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 90% of the 647 cards we track.
- No annual fee, like about 85% of the 623 cards we track.
- Lower top APR than about 25% of the 579 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
How you earn · Cash Rewards
- 1.5%Everything else
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 18.74% - 28.74% based on your creditworthiness.” |
| Intro APR | Issuer's pageregions.com “0% intro APR for 12 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 12 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
- Other
- Other
- Travel accident
- Roadside
- Baggage
- Emergency assistance
- Rental car
- Extended warranty
- Purchase protection
Questions
- What is the annual fee?
- No annual fee regions.com, since Oct 10, 2026
- Does it charge a foreign transaction fee?
- No. regions.com, since Oct 10, 2026
- What is the purchase APR?
- 18.74–28.74% APR regions.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for 12 months. regions.com, since Sep 29, 2026
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$160 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual fee+$150 a year
- Credit One Bank Omni RewardsCredit One · No annual fee+$150 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).