Credit Cards

Regions Life Visa® Credit Card full review: should you get it?

Meet the credit card that will exempt you from annual fees, international transfer fees and will give you many advantages. Meet the Regions Life Visa® Credit Card and all its advantages!

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Regions Life Visa® Credit Card: long-term intro APR 0% and many other benefits

Regions Life Visa® Credit Card
Regions Life Visa® Credit Card full review. Source: Foster the Money

Indeed, the Regions Life Visa® Credit Card has become a very interesting option for anyone looking for a long-term 0% intro APR card. Also, you are exempt from the main fees charged by other cards.

Regions Bank Logo

Regions Life Visa® Credit Card: check out how to apply!

Want to apply for Regions Life Visa® Credit Card? Great. Read on and learn how to enjoy this product. Including 0% intro APR.

Great perks, right? This article will explain how this credit card works and help you decide whether it is right for you. Are you ready to get started? Keep reading to learn more.

Credit ScoreExcellent (781 or greater);
Annual Fee$0;
Regular APR0% in the first 15 months from account opening. After, from 15.74% to 25.74% (variable);
Welcome bonusNone;
RewardsNone.

Regions Life Visa® Credit Card: learn more about this financial product

Regions Life Visa® Credit Card is a card that offers a compact and very advantageous service. One of its main advantages is, of course, the 15 months of 0% APR.

The extended time is noteworthy as it is longer than the 12-month average offered by most other cards. In addition, you can also benefit from an annual fee waiver and no foreign transaction fee.

In this way, you are facing a really cheap card! Additionally, customers have access to Regions LockIt®, a service that allows you to lock and unlock your phone with one touch.

For long compositions, count on Term It. This service allows you to make purchases at fixed interest rates, possibly lower than the card’s APR.

Connectivity with Apple Pay®, Google Pay™, Samsung Pay, or LG Pay wallets and the “Tap to Pay” service will enhance usability. Finally, we are talking about a Visa card, accepted anywhere in the world.

Regions Life Visa® Credit Card features

Indeed, this is a simplified card with functions that make it relevant in a competitive market. However, it also has weaknesses. To learn more about this credit product, check out the list of pros and cons of it:

What are the benefits?

Happy young blonde girl in blue sweatshirt
Compare the pros and cons of the Regions Life Visa® Credit Card. Source: Adobe Stock
  • Longer than average period of 0% intro APR (above the market average) – 15 months from account opening;
  • It does not charge annuity or transfer fees abroad;
  • Offers rental car collision damage waiver and extended warranty protection on purchases;
  • Access to the Term It features. It allows purchases over R$100 to be paid in fixed installments with low-interest rates.

And what are the drawbacks?

  • No reward program or welcome bonus;
  • Above market balance transfer and cash advance fee: $10 or 4%, whichever is greater;
  • Its interest rate after the 0% APR period is relatively high;
  • Very high APR for cash advances: 28.74%.

What credit score do you need to get the card?

Usually, cards offering a 0% APR period only accept customers with high credit scores. Therefore, to increase your chances, we advise you to have a credit of at least 781 to apply for Regions Life Visa® Credit Card.

How does the application process work?

Interested in the 15 months of 0% APR and all the other benefits of this card? So, see how to request it in the following post:

Regions Bank Logo

Regions Life Visa® Credit Card: check out how to apply!

Want to apply for Regions Life Visa® Credit Card? Great. Read on and learn how to enjoy this product. Including 0% intro APR.

About the author  /  José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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