Regions Prestige Visa Signature Credit Card

Rewards by category

Our take

The Regions Prestige Visa Signature pays 3% on dining and 3% on entertainment, 2% on gas and 2% at grocery stores, and 1% on everything else — no annual fee, and no foreign transaction fee. Regions markets it as earning "up to 4%," and that headline is not what a normal cardholder gets. The 4% requires registering for the Relationship Rewards program, holding a Regions personal checking account, and keeping deposit balances that start at $15,000 and climb to $50,000 or more at the top tiers. We rank the 3% and 2% rates, because those are the ones that arrive with the card.

It is worth pricing the upgrade rather than dismissing it. Lifting dining from 3% to 4% adds one cent per dollar, so $5,000 of restaurant spending a year becomes $50 more in rewards. Earning that requires parking at least $15,000 with the bank, which works out to well under half a percent of return on money that could be sitting in a high-yield savings account instead. If those deposits are already at Regions for other reasons, take the multiplier; if you would move them just for this, the math does not hold up.

What the card does well without any conditions is cover four common categories at once with no annual fee to earn back, and the missing foreign transaction fee makes it usable on a trip — a distinction most $0-fee bank cards do not have. It does not lead dining, entertainment, gas, or groceries in our rankings; dedicated category cards beat every one of those rates. The other limit is geography, since Regions lends in 15 mostly Southern states. Carry it if you already bank with Regions and want one simple card for eating out, going out, gas, and groceries, and route everything outside those four categories to a flat-rate card that beats its 1% base.

The math

Run $400 a month of dining through this card and you're earning about $144 a year at our conservative valuations. There's no annual fee to earn back — everything above the 1% base rate is pure upside.

Key benefits

• No annual fee
• No foreign transaction fees

Common questions

Does Regions Prestige Visa Signature Credit Card have an annual fee?

No — Regions Prestige Visa Signature Credit Card has no annual fee.

What does Regions Prestige Visa Signature Credit Card earn on dining?

3% on dining.

What rewards does Regions Prestige Visa Signature Credit Card earn on everything else?

1% on all other purchases, in Cash Back.

What does it take to earn the advertised 4% on the Regions Prestige card?

You must register for Regions Relationship Rewards, hold a Regions personal checking account, and maintain deposit balances that begin at $15,000 and reach $50,000 or more for the highest tiers. Without all three, the card earns its standard 3% on dining and entertainment and 2% on gas and groceries.

Can I get the Regions Prestige Visa Signature anywhere in the US?

No. Regions lends in 15 states, concentrated in the South, so approval depends on where you live. If you are outside that footprint, look at a no-annual-fee dining or grocery card from a national issuer instead — several of them earn more than 3% and 2% anyway.