Editor’s note: This is a recurring post with regularly updated card details.
The Regions Visa® Business Credit Card has no annual fee and offers 0% introductory annual percentage rate (APR) on purchases for the first six billing cycles. It is a great card to use if you want to separate your business and personal finances because it comes with a low interest rate compared to most other business credit cards. However, it lacks introductory and ongoing rewards, which means you won’t earn points or cash back on your purchases.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
Regions Visa® Business Credit Card
BEST FOR:
New business owners seeking a low minimum regular APR
- 0% Intro APR on purchases
- The 0% introductory APR offer applies through the end of the sixth billing cycle after the account is opened for all purchases posted within the same period.
Pros
- $0 annual fees
- With interest-free financing option
- Offers
Cons
- Regions Bank only has branches in 15 out of their listed 16 states
- No rewards system for both new and existing cardholders
- No welcome offer
- Protection against fraudulent activities: Regions Bank will let you know if there are any suspicious activities that may appear fraudulent.
- Online account management: Regions Bank offers an online account management portal that can be accessed through the web and the mobile to manage your accounts, monitor your available balances, and create alerts on account activities.
- Auto rental collision damage waiver: In the event of theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees, and reasonable and customary towing charges, this will be made available to you as the primary cardholder.
- 0% Intro APR on purchases
- The 0% introductory APR offer applies through the end of the sixth billing cycle after the account is opened for all purchases posted within the same period.
Pros
- $0 annual fees
- With interest-free financing option
- Offers
Cons
- Regions Bank only has branches in 15 out of their listed 16 states
- No rewards system for both new and existing cardholders
- No welcome offer
- Protection against fraudulent activities: Regions Bank will let you know if there are any suspicious activities that may appear fraudulent.
- Online account management: Regions Bank offers an online account management portal that can be accessed through the web and the mobile to manage your accounts, monitor your available balances, and create alerts on account activities.
- Auto rental collision damage waiver: In the event of theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees, and reasonable and customary towing charges, this will be made available to you as the primary cardholder.
When grading low-interest business credit cards like the Regions Visa® Business Credit Card, we rate the introductory and ongoing APRs first. Then we took into account the introductory and ongoing rewards, annual fees, and other features and benefits that the card offers.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Introductory APR | 18 | 30 |
Ongoing APR | 30 | 30 |
Annual Fee | 10 | 10 |
Features | 8 | 10 |
Introductory Rewards | 0 | 10 |
Ongoing Rewards | 0 | 10 |
Total Score | 66 | 100 |
Who the Regions Visa® Business Credit Card Is Best For
- Business owners with existing Regions Bank business checking accounts: An existing checking account with Regions Bank is a requirement for this card. If you don’t yet have an account, read our review of Regions Bank’s business checking to learn how it can help your business.
- Business owners located in a state where there is a Regions Bank branch: Credit card application needs to be done in a branch. Regions Bank branches are available in the following states: Alabama, Arkansas, Florida, Georgia, Iowa, Illinois, Indiana, Kentucky, Louisiana, Missouri, Mississippi, North Carolina, South Carolina, Tennessee, and Texas.
- Business owners who need to carry a balance: The card comes with low ongoing APRs compared to most other business credit cards, making it a great option for those who need to carry a balance from time to time.
- Business owners who don’t need to earn rewards: Regions Visa® Business Credit Card does not offer rewards—the benefits of using this card are its 0% introductory APR, low ongoing APR, and $0 annual fee.
If this card doesn’t fit your needs, see our recommended alternatives below. You may also see our guide to the best small business credit cards for a wider selection.
Regions Visa® Business Credit Card Rewards
The Regions Visa® Business Credit Card is one of the few business credit cards that doesn’t offer introductory and ongoing rewards. Cardholders can instead take advantage of its 0% introductory APR and low ongoing APR.
Do you prefer to earn rewards on your purchases? Consider the Regions Visa® Business Enhanced Credit Card, which offers 1x points on all purchases. Plus, you can earn extra rewards—ranging from 0.25 to 1x points—if you have a Regions Bank business checking account and can qualify for the Rewards Multiplier Program.
Regions Visa® Business Credit Card Features
Security & Other Services
- Suspicious activity alerts: Get notified via a text message, a call, or an email for any suspicious transaction made on your account, preventing fraudulent activities.
- Online account management: Access the online and mobile banking to manage your accounts, monitor your balances, and create alerts for any transactions made on your account.
- 24-hour customer service: Call the 24-hour customer service whenever you need assistance with anything related to your account.
Visa Benefits
- Visa Purchase Security: Protect your eligible purchases against theft and damage with Visa Purchase Security. You are covered up to $500 per claim and $50,000 per cardholder.
- Auto rental collision damage waiver: Get reimbursed for the cost of damage or theft on your auto rentals, up to the actual cash value of the rented vehicle.
- Visa Zero Liability: Protect yourself against any fraudulent transaction made on your card with Visa Zero Liability as long as your account is in good standing without any history of negligence or mishandling.
- Visa travel and emergency assistance: Access travel and emergency assistance for free to get referrals for services such as medical, legal, transportation, and more when you travel away from home. Keep in mind that this is a concierge service only—you will be responsible for any cost associated with the goods and services provided.
Regions Visa® Business Credit Card Fees
APR
- Introductory: 0% APR on purchases for the first six months after account opening
- Ongoing on purchases and balance transfers: 15.74% to 25.74% variable—adjusts with the prime rate (minimum interest charge is $1)
- Cash advance: 29.49% variable—adjusts with the prime rate
Fees
- Annual: $0
- Balance transfer and cash advance: Either $10 or 4% of the amount of each transfer or cash advance, whichever is greater
- Foreign transaction: 3% of the transaction amount in US dollars
- Late payment: Up to $49
Your due date is at least 21 days after the close of each billing cycle.
How To Make Payments
- Online: Pay your credit card bills via Regions Bank’s online banking portal.
- AutoPay: Set up AutoPay through the online banking portal to avoid the hassle of missing payments.
- Mobile App: Use the iOS or Android mobile apps to make payments.
- Phone: Call (800) 253-2265 and follow the prompts to process your payments.
- Branch: Visit a branch to make a payment in person.
- Mail: Send your check payments to the following addresses:
Regular Mail:
Regions Bank
PO Box 2224
Birmingham, AL 35246-3023
Overnight Mail:
Regions Bank
201 Milan Pkwy.
Birmingham, AL 35211
Regions Visa® Business Credit Card Alternatives
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases 
U.S. Bank Business Platinum Card
Pros
Cons
Pros
Cons
When To Consider U.S. Bank Business Platinum Card
- If you need a longer 0% APR period: If you don’t mind not earning rewards but want a longer 0% APR period, this card is a good alternative. It comes with interest-free financing for 18 billing cycles, one of the longest offers available.
- If you need to transfer a balance from another credit card: Another great thing about this card is that its introductory rate not only applies on purchases. This means you can make a large purchase and pay it off for 18 months without interest.
Other Benefits
- Has a $0 annual fee
- Offers a dedicated 24/7 customer service
- Features Visa Spend Clarity, which allows you to track spending and manage expenses efficiently
It’s worth noting that similar to the Regions Visa® Business Credit Card, this card lacks introductory and ongoing rewards. However, its long APR period is why it is our top business credit card with 0% APR and leading business credit card for balance transfers. Check out our guide to the best U.S. Bank business credit cards for other alternatives from this issuer.
American Express Blue Business CashTM
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
When To Consider the American Express Blue Business CashTM
- If you want to earn introductory and ongoing rewards: This lets you earn a $250 statement credit as a welcome offer when you spend at least $3,000 in the first three months of card ownership. Plus, you’ll receive 2% cash back on the first $50,000 purchases per calendar year, and 1% cash back when this cap is met.
- If you need a flexible credit limit: With its Expanded Buying Power feature, you can spend over your credit limit when you need to. Note that the amount you can spend will be based on your credit score, payment history, financial resources, and credit card usage.
Other Benefits
- Charges $0 annual fee
- Comes with a 0% APR on purchases for the first 12 months from opening an account
- Lets you receive your cash back as automatic statement credit—no need for manual redemption
With its simple rewards structure, there’s no wonder the card is our top-recommended cash back business credit card. You may also browse through our guide to the best American Express business credit cards to find a more suitable alternative.
Regions Visa® Business Enhanced Rewards Credit Card
Regions Visa® Business Enhanced Rewards Credit Card
BEST FOR:
Those who want a fixed rate points system from Regions Bank
- 1 Relationship Point for every dollar spent on qualified purchases.
- Through Visa®®® SavingsEdge, you can earn automatic savings of up to 15% on eligible purchases with designated merchants
Pros
- Doesn’t charge annual fees
- With 0% introductory APR on purchases
Cons
- Doesn’t have 0% introductory APR on balance transfers
- Regions Bank only has branches in 15 out of their listed 16 states
- Need an active Regions Bank checking and savings accounts to maximize points being earned
- Travel and emergency assistance services: These will be made available to you and your spouse and children (dependents 22 years old and younger) in the event of an emergency while traveling away from home.
- Auto rental collision damage waiver: In the event of theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees, and reasonable and customary towing charges, this will be made available to you as the primary cardholder.
- Purchase security: If damage was incurred in your purchase due to fire, vandalism, accidentally discharged water, or certain weather conditions, you are entitled to a maximum of $500 per claim and $50,000 per cardholder.
- 1 Relationship Point for every dollar spent on qualified purchases.
- Through Visa®®® SavingsEdge, you can earn automatic savings of up to 15% on eligible purchases with designated merchants
Pros
- Doesn’t charge annual fees
- With 0% introductory APR on purchases
Cons
- Doesn’t have 0% introductory APR on balance transfers
- Regions Bank only has branches in 15 out of their listed 16 states
- Need an active Regions Bank checking and savings accounts to maximize points being earned
- Travel and emergency assistance services: These will be made available to you and your spouse and children (dependents 22 years old and younger) in the event of an emergency while traveling away from home.
- Auto rental collision damage waiver: In the event of theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees, and reasonable and customary towing charges, this will be made available to you as the primary cardholder.
- Purchase security: If damage was incurred in your purchase due to fire, vandalism, accidentally discharged water, or certain weather conditions, you are entitled to a maximum of $500 per claim and $50,000 per cardholder.
When To Consider the Regions Visa® Business Enhanced Rewards Credit Card
- If you want to earn rewards on your purchases: If you are loyal to Regions Bank but prefer to earn rewards on your purchases, this card is the better option. You’ll receive 1x points per dollar on all purchases, regardless of expense categories.
- If you have a substantial balance on your business checking account: If you have a Region Bank business checking account, maintain at least $15,000 to qualify for the Rewards Multiplier program. This program lets you earn up to 1x extra points per dollar on your purchases—the additional point earned varies based on your account balance.
Other Benefits
- Charges $0 annual fee
- Offers up to 15% savings on selected merchants through Visa SavingsEdge
- Comes with 0% APR on purchases for the first six billing cycles
Keep in mind that while it lets you earn rewards on your purchases, it does not offer a sign-up bonus.
Frequently Asked Questions (FAQs)
To apply for a Regions Visa® Business Credit Card, you need to visit a branch. Keep in mind that branches are only available in the following states: Alabama, Arkansas, Florida, Georgia, Iowa, Illinois, Indiana, Kentucky, Louisiana, Missouri, Mississippi, North Carolina, South Carolina, Tennessee, and Texas.
No, Regions Visa® Business Credit Card does not come with Visa SavingsEdge program. This means you cannot earn rebates or enjoy discounts on selected merchants.
Yes, you can use your Regions Visa® Business Credit Card when traveling abroad and for international purchases. Take note, however, that you’ll be charged a foreign transaction fee of 3% of the total transaction amount in U.S. dollars.
Bottom Line
While the Regions Visa® Business Credit Card is a great card for business owners wanting to keep their personal and business finances separate, it provides limited benefits to cardholders. It lacks introductory and ongoing rewards, and online applications are unavailable. Plus, Regions Bank branches are limited to 15 states. Consider this card only if you are loyal to Regions Bank, value a low ongoing APR, and don’t mind not earning rewards on your purchases.
