Credit Cards
Regions Life Visa® Credit Card full review
A complete guide on the Regions Life Visa® Credit Card! Pay no hidden fees! Keep reading and see what other benefits this card offers!
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Note: Some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.
Regions Life Visa® Credit Card: 0% intro APR for 15 months

Are you planning your next vacation, tackling everyday household expenses, or just want to save money? Then our Regions Life Visa® Credit Card review offers a great option for you!
With no annual fee charged, this card could be a great fit for any type of consumer looking to get more out of their spending. Read on to discover how you may benefit from this credit card!
- Credit Score: Excellent (more than 850);
- Annual Fee: $0;
- Regular APR: 0% APR for 15 months from the account opening date. 16.74% ‐ 26.74% variable APR after (terms apply);
- Welcome bonus: N/A;
- Rewards: N/A.
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How does the Regions Life Visa® Credit Card work?
This Regions Life Visa® Credit Card review brings you the main points about this card option. It is ideal for people with excellent credit scores. Therefore, they have slightly reduced APR rates.
You’ll have a 0% APR for the first 15 months from account opening. Plus, you won’t pay annual or monthly fees! In addition, you have some benefits like Visa Zero Liability Policy.
However, if you want to make a cash advance, you’ll have to pay $10 or 4% of the amount, whichever is greater! Additionally, this card charges a $39 late payment fee.
Regions Life Visa® Credit Card pros and cons

The Regions Life Visa® Credit Card is an option designed for those with a good credit score. In this sense, you will have access to a card with several benefits! But if you’re looking for cashback, this is not an option!
Furthermore, you’ll find a few fees associated with transactions. Check out the pros and cons of this card before deciding.
Pros
- 0% intro APR for 15 months;
- Relatively low APR after intro period;
- No annual or monthly fee;
- No foreign transaction fee;
- Visa Zero Liability Policy;
- Customize how, when, and where your card is used with Regions LockIt.
Cons
- Cash advance fee of $10 or 4%, whichever is greater;
- This card offers no rewards;
- A balance transfer fee of $10 or 4%, whichever is greater.
Does my credit score need to be good?
You need an excellent credit score to apply for the Regions Life Visa® Credit Card. You must have a record of 850 points or more to be eligible.
However, you will have lower APR rates with a higher score. Therefore, you will pay less for the annual maintenance of the card than in other companies.
Want to apply for the Regions Life Visa® Credit Card?
Are you considering applying for the Regions Life Visa® Credit Card? The appeal of this card is clear—it offers an array of attractive benefits that could help you save money, build credit, and access several services.
This blog post will give you an overview of everything the Regions Life Visa® Credit Card offers and walk you through the necessary steps for submitting your application successfully. Keep Reading!
Apply online
Applying for the Regions Life Visa Credit Card is a simple process. You can do it completely online without worries!
First, visit the Regions official website and fill in the application form with your personal and financial information, such as your Social Security Number, address, and annual income.
Once you’ve ensured all the information is correct, and up to date, you can submit it. Regions Bank will review it within a few days and process your request.
If approved, you can freely enjoy the great features of Regions Life Visa Credit Card in no time!
Apply using the app

You must access the official website to apply for the Regions Life Visa® Card. After all, the application cannot be carried through the mobile app. Therefore, you must follow the same steps as in the previous step.
However, you can download the app for Android or iOS. Thus, you can always manage your account and control your monthly expenses, payments, and more!
Regions Life Visa® Card vs. Wells Fargo Reflect® Card
The Regions Life Visa® Card requires an excellent credit score to apply. In addition, you can apply as long as you are interested in the benefits, which are different from other options.
With this card, you have a few associated fees and benefits, including no annual or foreign transaction fee and 0% intro APR for 15 months from account opening.
Another interesting alternative is the Wells Fargo Reflect® Card. With this card, you get no annual fees, an introductory APR of 0%, and even protection against cell phone theft.
Also, it doesn’t have very high APR rates. Check the comparison between the two options and choose the best one for your case!
Regions Life Visa® Card
- Credit Score: Excellent (more than 850);
- Annual Fee: $0;
- Regular APR: 0% APR for 15 months from the account opening date. 16.74% ‐ 26.74% variable APR after (terms apply);
- Welcome bonus: N/A;
- Rewards: N/A.
Wells Fargo Reflect® Card
- Credit Score: Good to Excellent (670 – 850);
- Annual Fee: $0;
- Regular APR: 0% intro APR for 18 months from account opening on purchases and eligible balance transfers (possible extension for 3 months). Then, 17.24% to 29.24% variable APR;
- Welcome bonus: N/A;
- Rewards: Up to $600 of cellphone protection for eligible theft or damage when using your card to pay your cellphone bill each month;
- Terms apply.
As you’ve seen, the Regions Life Visa® Card can be very interesting for anyone looking for protection and security. However, it does not have cashback, which is attractive in other card options.
In this sense, the Wells Fargo Reflect® Card can be an alternative with similar characteristics. However, you need to know how to apply and get approved. Check out the tips we’ve gathered in the post below!
Wells Fargo Reflect® Card Review
If you're looking for a new card, the Wells Fargo Reflect® Card is worth considering. Apply and enjoy 0% intro APR for up to 21 months!
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