Verdict: The Regions Credit Card ranks as a solid rewards card. It comes with an introductory interest rate of 0 percent on both purchases and balance transfers. It also boasts a low purchase interest rate if your credit score is solid. The only drawback? The rewards program is so straightforward that there are no opportunities for cardholders to double or triple their points. Still, the Regions Credit Card is a solid, no-frills rewards card.

Overview: This card comes with industry standard fees and a fair purchase interest rate, depending on your creditworthiness. It’s reward programs is solid, though far from spectacular. And if you miss a payment, you won’t have to worry about incurring a penalty interest rate. There is none for this card.

How This Card Works: Every time you charge a purchase with your Regions Credit Card, you’ll earn WorldPoints. You can then redeem these points for gift certificates, cash, merchandise and travel rewards.


Shopping and Travel Benefits: You’ll earn one WorldPoint for every dollar that you charge with this card. After you reach at least 2,500 WorldPoints, you can redeem them for merchandise, travel, cash or gift certificates. There is no limit to the number of points that you can earn. If you elect to redeem your points for cash, the money will be deposited directly into a Regions Bank savings or checking account.

Fees: This card comes with fees that are typical of the credit-card industry. Late fees, for instance, run to $35. Returned-payment fees cost $25, and cash advances cost either $10 or 4 percent of the advance amount, whichever is higher. The card’s purchase interest rate stands from 12.99 percent to 20.99 percent, depending on your credit score. You won’t have to pay any interest, though, on either balance transfers or purchases for your first seven statements after activating this card. There is no annual fee.

Pros:

  • No annual fee.
  • Introductory interest rate of 0 percent on balance transfers and purchases.
  • Rewards program.

Cons:

  • Rewards program is a basic one.
  • Purchase interest rate can rise to 20.99 percent, depending on your credit.