The Prestige Visa® Signature credit card from Regions Bank is designed for those who seek more from their credit card—more rewards, more control, and more value. Whether you’re dining out, fueling up, or simply managing everyday expenses, this card offers an impressive suite of benefits that make it an excellent choice for both everyday use and larger purchases.

Beyond the initial bonus, the Prestige Visa® Signature credit card stands out for its robust rewards program, offering up to 4% cash back on purchases in certain categories. It’s also packed with features that give you more control over your card usage, along with the security of Visa’s Zero Liability Policy. Let’s dive deeper into what makes this card a top contender for anyone looking to maximize their credit card benefits.

Key information about the Prestige Visa® Signature credit card Regions

The Prestige Visa® Signature credit card is tailored to offer high rewards and flexibility. By registering for the Regions Rewards Multiplier program, cardholders can earn up to an additional 1% on every credit card purchase.

This means you could potentially earn up to 4% on dining and entertainment purchases, 3% on gas and grocery purchases, and 2% on all other purchases. This tiered rewards system is ideal for those who spend heavily in these categories, allowing you to accumulate points quickly.

How does the annual fee work?

One of the most appealing aspects of the Prestige Visa® Signature credit card is that it does not charge an annual fee. This is a significant advantage, as many high-reward cards often come with a yearly fee that can diminish the overall value of the rewards earned. With no annual fee, you can take full advantage of the card’s rewards program without worrying about an additional cost each year.

How is the credit limit determined?

The credit limit for the Prestige Visa® Signature credit card is determined by Regions Bank based on your creditworthiness. When you apply for the card, Regions reviews your credit history, income, and overall financial profile to establish a credit limit that aligns with your ability to manage debt responsibly. This approach ensures that the credit limit is both suitable and manageable for your financial situation.

Credit card benefits 

• $200 bonus: Earn a $200 bonus when you spend $1,000 within the first 90 days, or a $100 bonus for spending at least $500.
• Up to 4% cash back: Earn up to 4% on dining and entertainment purchases, 3% on gas and grocery purchases, and 2% on all other purchases when registered for the Regions Rewards Multiplier program.
• 0% introductory APR: Enjoy 0% APR for 12 months on purchases and balance transfers, offering a valuable interest-free period.
• No annual fee: Benefit from all the card’s features without worrying about an annual fee.
• Visa Zero liability policy: Be protected against unauthorized transactions, both online and offline.
• Regions LockIt®: Gain more control over your card by customizing how, when, and where it can be used, adding an extra layer of security.

Up to 4% cash back

One of the standout features of the Prestige Visa® Signature credit card is its potential to earn up to 4% cash back on dining and entertainment purchases. This high rate of return is perfect for those who frequently spend in these categories, allowing you to maximize your rewards with everyday activities. Coupled with the ability to earn 3% on gas and groceries, and 2% on all other purchases, this card offers a well-rounded rewards program that can significantly enhance your savings over time.

Disadvantages

• High variable APR: After the introductory period, the variable APR can range between 18.24% and 28.24%, which could be high for some users, particularly those who carry a balance.
• Balance transfer and cash advance fees: The card charges a balance transfer fee of $10 or 4% of the amount transferred, whichever is greater, as well as a cash advance fee of $10 or 4% of the cash advance amount, which could add up for those who frequently use these services.
• Limited rewards categories: While the rewards rates are high, they are limited to specific categories. Purchases outside of dining, entertainment, gas, and groceries only earn 1% cash back, which may not be as appealing for users with different spending habits.

High variable APR

A notable disadvantage of the Prestige Visa® Signature credit card is the potential for a high variable APR after the introductory period. With rates ranging from 18.24% to 28.24%, those who carry a balance from month to month may find themselves facing significant interest charges. It’s important to manage your spending carefully and pay off your balance in full each month to avoid these high costs.

Who can apply for this card?

To apply for the Prestige Visa® Signature credit card, applicants must meet certain eligibility criteria:

• Income: While there is no specific income requirement, having a stable income can increase your chances of approval and may result in a higher credit limit.
• Age: You must be at least 18 years old.
• Residency: The card is available to U.S. residents with a valid Social Security number or Tax Identification Number.
• Creditworthiness: Applicants typically need a good to excellent credit score to qualify, as the card offers a high rewards program and an introductory APR offer.

How to apply for the Prestige Visa® Signature credit card Regions

Applying through the website

Applying for the Prestige Visa® Signature credit card is a straightforward process that can be completed online or at a Regions Bank branch. To start, visit the official Regions Bank website and navigate to the credit cards section.

Here, you will find detailed information about the Prestige Visa® Signature credit card, including its benefits, rewards, and fees. Once you’ve reviewed the information and decided that this card meets your needs, you can begin the application process by clicking the “Apply Now” button.

During the online application, you will be asked to provide personal information such as your name, address, Social Security number, and employment details. It’s important to ensure that all the information you enter is accurate and up-to-date, as this will help avoid any delays in processing your application.

Additionally, you may be asked to provide details about your income and housing status, which will be used to determine your creditworthiness and the credit limit that may be offered. After submitting your application, Regions Bank will review your credit history and financial information to assess your eligibility for the card.

This process typically takes a few business days, although some applicants may receive an instant decision. If your application is approved, you will receive your Prestige Visa® Signature credit card in the mail within a few days.