Regions Visa® Business Credit Card Review for 2023
This article is part of a larger series on Best Small Business Credit Cards.
Regions Visa® Business Credit Card is designed for those with existing business checking accounts with Regions Bank. It’s ideal for those needing an interest-free financing option to make large purchases for their business and new business owners wanting a low minimum regular annual percentage rate (APR). It doesn’t charge annual fees and offers an introductory APR of 0% for the first six months after account opening. However, note that this is one of the few business credit cards that lacks introductory or ongoing rewards.
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
Intro APR
0% APR on the first 6 months after account opening
Regular APR
13.99% to 24.99% variable
Annual Fee
None
Credit Needed
Good to Excellent
- 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
- No 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 signup bonus
- 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.
Intro APR
0% APR on the first 6 months after account opening
Regular APR
13.99% to 24.99% variable
Annual Fee
None
Credit Needed
Good to Excellent
- 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
- No 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 signup bonus
- 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 evaluating business credit cards like the Regions Visa® Business Credit Card, we first consider the introductory and ongoing APR. After which, we check if the card offers introductory and ongoing rewards and its standout features, such as purchase protection and extended warranty.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Introductory APR | 25 | 35 |
Ongoing APR | 35 | 35 |
Features | 6 | 10 |
Introductory Rewards | 0 | 10 |
Ongoing Rewards | 0 | 10 |
Total Score | 66 | 100 |
Who the Regions Visa® Business Credit Card Is Best For
- Those with existing business checking accounts with Regions Bank: 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.
- Those who want an interest-free financing option: This business credit card offers 0% introductory APR on purchases for the first six months after account opening, allowing you to plan large purchases for your business.
- New business owners seeking a low minimum regular APR: New business owners can consider this card as it offers a low minimum regular APR of 11.74%
If this card doesn’t fit your needs, see our recommended alternatives below.
Regions Visa® Business Credit Card Fees
APR
- Introductory: 0% APR on purchases for the first six months after account opening
- Ongoing and balance transfers: 13.99% to 24.99% variable—adjusts with the prime rate
- Cash advance: 28.74% variable—adjusts with the prime rate
Fees
- Minimum interest charge: No less than $1
- Annual: None
- 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.
Regions Visa® Business Credit Card Rewards
This is one of the few credit cards that doesn’t have any rewards system available for both new and existing cardholders. This is unlike the Regions Visa® Business Enhanced Credit Card, which we list below, that offers a rewards system of 1 point for every dollar spent on qualifying purchases.
How To Make Payments on the Regions Visa® Business Credit Card
- Online: You can manage your credit card payments via Regions Bank’s online banking portal. You can also set up AutoPay to avoid the hassle of missing payments.
- Mobile App: You can 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 Bank
PO Box 2224
Birmingham, AL 35246-3023
Overnight Mail
Regions Bank
201 Milan Pkwy.
Birmingham, AL 35211
Regions Visa® Business Credit Card Features
Features from Regions Bank
- Protection against fraudulent activities: Regions Bank will let you know if any activities appear fraudulent. It’ll call, text, and/or email to verify whether you authorized this transaction. If you don’t confirm the authorization of a suspicious transaction, Regions Bank will connect you to a dedicated fraud specialist for more information.
- Online account management: You can access your online account management portal through the web, and mobile app to manage your accounts, monitor your available balances, and create alerts on account activities.
- Customer support: Call (800) 253-2265 for any concerns on your Regions Bank business credit card. Alternatively, you can head to the Online Banking portal or mobile app to send in your concerns.
Features from Visa®
- Travel and emergency assistance services: These will be made available to you and your spouse and children―dependents 22 years of age or younger―in the event of an emergency while traveling.
- Auto rental collision damage waiver: This is available to the primary cardholder 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 benefit is available in the United States and most foreign countries, except Israel, Jamaica, the Republic of Ireland, and Northern Ireland.
- Purchase security: If the damage was incurred in your purchase due to fire, vandalism, accidentally discharged water, or certain weather conditions, you’re entitled to a maximum of $500 per claim and $50,000 per cardholder.
Regions Visa® Business Credit Card Alternatives
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
Intro APR
0% APR for the first 6 months after account opening
Regular APR
15.99% to 26.99% variable
Annual Fee
None
Credit Needed
Good to Excellent
- 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 or accidentally discharged water or certain weather conditions, you are entitled to a maximum of $500 per claim and $50,000 per cardholder.
Intro APR
0% APR for the first 6 months after account opening
Regular APR
15.99% to 26.99% variable
Annual Fee
None
Credit Needed
Good to Excellent
- 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 or accidentally discharged water or certain weather conditions, you are entitled to a maximum of $500 per claim and $50,000 per cardholder.
- Is a great alternative if you want a Regions Bank business credit card that offers fixed-rate cash back rewards as it lets you earn 1 Relationship Point for every dollar spent on qualified purchases
- Has 0% introductory APR on purchases for the first six billing cycles, like the Regions Visa Business Credit Card
- Doesn’t charge annual fees
U.S. Bank Business Platinum Card
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases and balance transfers
Intro APR
Regular APR
17.24% - 26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Intro APR
Regular APR
17.24% - 26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
- Is ideal for those looking for a 0% introductory APR; offered for the first 18 months on both purchases and balance transfers
- Doesn’t charge annual fees
- Lacks rewards for new and existing cardholders
- Is one of our top-recommended 0% APR business credit cards and best business credit cards with a balance transfer offer
Chase Ink Business Unlimited®
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
- Is best suited if you want a fixed rate rewards card as it lets you earn unlimited 1.5% cash back on all business-related purchases
- Offers a 0% APR on purchases for the first 12 billing cycles
- Doesn’t charge annual fees
- Is on our lists of the:
See our guide to the leading small business credit cards for more options.
Bottom Line
Consider Regions Visa® Business Credit Card if you want a card from Regions Bank that offers an interest-free financing option and a low minimum regular APR. While it doesn’t have any introductory and ongoing rewards, it’s a great option for new business owners needing a credit card for their business.
