What makes this credit card offer different
This credit card offer should be judged by net value after annual fees and required spend, not just the welcome-bonus headline.
Credit Card
Regions Bank Cash Rewards Bonus — Up to $200
Sign up for Regions Bank Cash Rewards Bonus and earn up to $200 in bonus rewards.
Bonus Tiers
| Deposit | Bonus |
|---|---|
| N/A | $100 (spending $500) |
| N/A | $200 (spending $1,000) |
Qualifying Period
within 90 days of account opening
Payout
91-100 days from account opening
Requirements
- ✓$1,000 in net purchases within 90 days for $200 bonus
- ✓$500 in net purchases within 90 days for $100 bonus
- ✓Minimum $500 spending in first 90 days for $100 bonus
- ✓Minimum $1,000 spending in first 90 days for $200 bonus
- ✓Spend $1,000 in the first 90 days after account opening for $200 bonus
- ✓Spend $500 in the first 90 days after account opening for $100 bonus
- ✓Min $500 spend in first 90 days for $100 bonus
- ✓Min $1,000 spend in first 90 days for $200 bonus
- ✓Minimum $500 spend in first 90 days for $100 bonus
- ✓Minimum $1,000 spend in first 90 days for $200 bonus
- ✓$500-$1,000 net spend in first 90 days
- ✓Minimum $500 in net purchases within 90 days for $100 bonus
- ✓Minimum $1,000 in net purchases within 90 days for $200 bonus
- ✓New cardholder
- ✓Spend at least $500 in the first 90 days to earn $100 bonus
- ✓Spend at least $1,000 in the first 90 days to earn $200 bonus
- ✓$1,000 spend in first 90 days for $200 bonus
Restrictions
- ⚠New cardholders only
- ⚠Available in select states: AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, TX
- ⚠New customers only
- ⚠Available in select states (AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, TX)
- ⚠Available only in select states: AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, TX
- ⚠Available in select states
- ⚠Available in select states only
- ⚠Available in select states: Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, and Texas
Fees
- $0 annual fee
- No annual fee
- $10 balance transfer fee or 4% of the transfer amount, whichever is greater
- $10 balance transfer fee or 4% of amount transferred (whichever is greater)
- $10 cash advance fee or 4% of amount (whichever is greater)
- $10 balance transfer fee or 4% of transfer amount (whichever is greater)
- $10 cash advance fee or 4% of cash advance amount (whichever is greater)
- $10 balance transfer fee or 4% of amount transferred, whichever is greater
- Bonus is awarded as Cash Rewards that can be redeemed for check, statement credit, or deposit
- Certain transactions excluded: returned items, wire transfers, money orders, traveler's checks, lottery tickets, casino chips, cash advances, balance transfers, fees, interest charges, unauthorized purchases
- Balance transfers, cash advances, and returned purchases do not count toward minimum spend
- Bonus is earned in the form of Cash Rewards that can be redeemed for check, statement credit, or credit to Regions account
- 0% intro APR for 12 months on purchases and on balance transfers (posted within 60 days of account opening)
- Variable APR after intro period: 19.24% - 29.24% based on creditworthiness
- Earn 1.5% cash back on all qualifying purchases
- Bonus paid as Cash Rewards that can be redeemed for check or credit to Regions account
- Net purchases count; balance transfers, cash advances, and returned purchases do not qualify
- Bonus based on net purchases in first 90 days
- 0% introductory APR for 12 months on purchases and 60 days on balance transfers (4% BT fee)
- Variable APR 19.24%-29.24% after intro period
- Balance transfer fee: $10 or 4% of amount, whichever is greater
- Bonus paid in Cash Rewards that can be redeemed for check or credit to Regions credit card or deposit account
- 0% intro APR for 12 months on purchases and balance transfers (60 days for BT posting)
- Bonus is redeemable as a check, statement credit, or deposit to a Regions account
- Bonus paid as Cash Rewards redeemable for statement credit or direct deposit
- 0% intro APR for 12 months on purchases; on balance transfers within 60 days (4% fee applies)
- 0% intro APR for 12 months on purchases and balance transfers posted within 60 days of account opening
- After intro period, variable APR between 19.24%-29.24% based on creditworthiness
- Bonus redeemable for check, statement credit, or credit to Regions deposit account
- 0% introductory APR for 12 months on purchases and balance transfers posted within 60 days of account opening
- After intro period, variable APR between 19.24% - 29.24% based on creditworthiness
Last updated October 18, 2026
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How to evaluate Regions Bank Cash Rewards Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- within 90 days of account opening
- Payout timeline
- 91-100 days from account opening
How to qualify
- $1,000 in net purchases within 90 days for $200 bonus
- $500 in net purchases within 90 days for $100 bonus
- Minimum $500 spending in first 90 days for $100 bonus
- Minimum $1,000 spending in first 90 days for $200 bonus
Common pitfalls
- New cardholders only
- Available in select states: AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, TX
- New customers only
- Available in select states (AL, AR, FL, GA, IL, IN, IA, KY, LA, MS, MO, NC, SC, TN, TX)
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $5,000 median, so the requirements and any referral or portal stack matter more.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
How long do I have to qualify for Regions Bank Cash Rewards Bonus?
The qualifying period listed for Regions Bank Cash Rewards Bonus is within 90 days of account opening.
When does Regions Bank Cash Rewards Bonus pay out?
The payout timeline listed for Regions Bank Cash Rewards Bonus is 91-100 days from account opening.
