Regions Cash Rewards Visa®
Regions and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Regions. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Regions Cash Rewards Visa® from Regions earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn $200 bonus Cash Rewards when you spend $1,000 in the first 90 days, or earn a $100 bonus when you spend $500 in the first 90 days..
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
What does the Regions Cash Rewards Visa earn in each category?
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Regions Cash Rewards Visa compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (1.5% back). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Regions Cash Rewards Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5% back | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5% back | 1.5% |
| Gas Gas stations and fuel | 1.5% back | 1.5% |
| Travel Flights, hotels, transit | 1.5% back | 1.5% |
| Other General everyday spend | 1.5% back | 1.5% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Regions Cash Rewards Visa?
The Regions Cash Rewards Visa fits spenders who put meaningful volume in dining and can earn 1.5% back. Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
Regions Cash Rewards Visa fits spenders who put meaningful volume in dining and can earn 1.5% back. Madeen ranks its dining effective rate higher than about 35% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5% back. The welcome bonus can help if you can meet the spend requirement.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
What is the Regions Cash Rewards Visa welcome bonus?
In Madeen's catalog snapshot, the Regions Cash Rewards Visa welcome offer is Earn $200 bonus Cash Rewards when you spend $1,000 in the first 90 days, or earn a $100 bonus when you spend $500 in the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application.
- Offer
- $200
- Terms (catalog snapshot)
- Earn $200 bonus Cash Rewards when you spend $1,000 in the first 90 days, or earn a $100 bonus when you spend $500 in the first 90 days.
- Minimum spend
- $1,000
- Window
- 90Days
Does the Regions Cash Rewards Visa have an annual fee?
The Regions Cash Rewards Visa has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Regions Cash Rewards Visa?
The Regions Cash Rewards Visa includes Booking.com, Dovly Uplift™, Extended Warranty in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty
$10,000/yrUp to 1 additional year on original manufacturer's warranty of 3 years or less.
Purchase Protection
$10,000/yrUp to $500 per eligible purchase within 90 days of the purchase date. Maximum of $50,000 in coverage per cardholder.
Lost Luggage Protection
$3,000/yrUp to $3,000 per trip. Applies when luggage is lost or damaged by the common carrier. For New York residents, coverage is limited to $2,000 per bag.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
Rental Insurance
$25/yrCoverage for damage to or theft of a rental vehicle. Must decline the collision damage waiver (CDW) at the counter. Coverage is secondary to personal insurance.
Travel Insurance
$25/yrUp to $250,000 in coverage. Provides accidental death & dismemberment coverage.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Related encyclopedia topics
Common questions about the Regions Cash Rewards Visa
Does the Regions Cash Rewards Visa have an annual fee?
The Regions Cash Rewards Visa carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Regions Cash Rewards Visa?
Dining is the strongest Madeen category for the Regions Cash Rewards Visa at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Regions Cash Rewards Visa charge foreign transaction fees?
The Regions Cash Rewards Visa does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Regions Cash Rewards Visa welcome bonus?
The Regions Cash Rewards Visa welcome offer in our snapshot: Earn $200 bonus Cash Rewards when you spend $1,000 in the first 90 days, or earn a $100 bonus when you spend $500 in the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Regions Cash Rewards Visa?
Madeen's catalog lists a typical credit range of Excellent for the Regions Cash Rewards Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Regions Cash Rewards Visa?
Rewards on the Regions Cash Rewards Visa post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Regions Cash Rewards Visa compare to similar cards?
Compare the Regions Cash Rewards Visa against Regions Prestige Visa Signature (3% on Dining, $0 fee); Regions Premium Visa Signature (1.5% on Dining, $125 fee); Regions Business Enhanced Visa (1% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Regions Cash Rewards Visa This card | Dining | 1.5% | $0 |
| Dining | 3% | $0 | |
| Dining | 1.5% | $125 | |
| Dining | 1% | $0 | |
Regions | Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Regions and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Regions. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure