Regions Bank credit card terms
Top-25 issuer · 1 product surveyed · CFPB TCCP survey, Jul-Dec 2025
Regions Bank reported a surveyed purchase APR of 18.49% – 28.49% (median 25.49%) to the CFPB Terms of Credit Card Plans survey, across 1 product. It is one of the 25 largest U.S. card issuers. No annual fee was reported for its surveyed cards. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
Regions Bank surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 18.49% – 28.49% |
| Median purchase APR | 25.49% |
| Rate type | variable |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 28.49% |
| Annual fee | — |
| Late fee (median) | $28 |
| Secured card offered | Not reported |
| Products surveyed | 1 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means Regions Bank did not report that field in the survey.
Regions Bank purchase APR by credit tier
Median purchase APR Regions Bank reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | 28.49% |
| Good credit (620-719) | 26.49% |
| Great credit (720+) | 23.99% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How Regions Bank compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. Regions Bank's median of 25.49% sits above the 21% national average APR.
Similar issuers (top-25 issuer)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| Regions Bank (this issuer) | 18.49% – 28.49% | 25.49% | — |
| Fifth Third Bank | 8.99% – 29.49% | 25.99% | $24 |
| PNC Bank | 18.49% – 30.24% | 26.12% | — |
| USAA Federal Savings Bank | 10.65% – 27.65% | 24.65% | $95 |
| First National Bank Of Omaha | 15.49% – 32.99% | 26.37% | $30 – $249 |
| U.S. Bancorp | 16.49% – 30.49% | 24.49% | — |
| TD Bank | 17.24% – 28.99% | 23.99% | $29 – $89 |
Fifth Third Bank · PNC Bank · USAA Federal Savings Bank · First National Bank Of Omaha · U.S. Bancorp · TD Bank
Frequently asked questions
What is Regions Bank's credit card APR?
Regions Bank reported a purchase APR of 18.49% – 28.49% to the CFPB Terms of Credit Card Plans survey (median 25.49%), across 1 surveyed product. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does Regions Bank charge an annual fee?
Regions Bank did not report an annual fee for its surveyed cards (most general cards from this issuer have no annual fee, though premium cards can). Verify the specific card's terms.
Is Regions Bank a good choice for a low APR?
Regions Bank is one of the 25 largest issuers. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions. If a low APR is the priority, compare a local credit union.
Keep exploring
Sources & accuracy
Terms reported by Regions Bank (Regions Bank) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29