Regions Premium Visa® Signature
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 Premium Visa® Signature from Regions earns up to 1.5% effective value on dining in Madeen's catalog snapshot. Its annual fee is $125.
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $125
Best for dining-heavy spend when the $125 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5% back.
What does the Regions Premium Visa Signature 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 Premium Visa Signature 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 Premium Visa Signature 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 Premium Visa Signature?
The Regions Premium Visa Signature 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.
Regions Premium Visa Signature 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.
Less compelling if the $125 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $125 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5% back).
- No foreign transaction fee listed.
Cons
- $125 annual fee requires enough spend in bonus categories to offset.
Does the Regions Premium Visa Signature have an annual fee?
The Regions Premium Visa Signature has an annual fee of $125 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $125
- Foreign transaction fee
- None
What benefits come with the Regions Premium Visa Signature?
The Regions Premium Visa Signature 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 $1,000 per eligible purchase within 60 days of the purchase date. Maximum coverage of $4,000 per year.
Purchase Protection
$10,000/yrUp to $500 per eligible purchase within 90 days of the purchase date. Maximum coverage of $50,000 per cardholder.
Trip Delay Protection
$5,000/yrUp to $5,000 per ticket. Applies when your trip is cancelled or interrupted due to a covered reason.
Lost Luggage Protection
$3,000/yrUp to $3,000 per trip. Applies when you check or carry on luggage that is damaged or lost by the 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.
Related encyclopedia topics
Common questions about the Regions Premium Visa Signature
Does the Regions Premium Visa Signature have an annual fee?
The Regions Premium Visa Signature carries an annual fee of $125 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 Premium Visa Signature?
Dining is the strongest Madeen category for the Regions Premium Visa Signature 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 Premium Visa Signature charge foreign transaction fees?
The Regions Premium Visa Signature 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.
Is the Regions Premium Visa Signature annual fee worth it?
Whether the $125 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Regions Premium Visa Signature?
Madeen's catalog lists a typical credit range of Excellent for the Regions Premium Visa Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Regions Premium Visa Signature?
Rewards on the Regions Premium Visa Signature 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 Premium Visa Signature compare to similar cards?
Compare the Regions Premium Visa Signature against Regions Prestige Visa Signature (3% on Dining, $0 fee); Regions Cash Rewards Visa (1.5% on Dining, $0 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 Premium Visa Signature This card | Dining | 1.5% | $125 |
| Dining | 3% | $0 | |
Regions | Dining | 1.5% | $0 |
| 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