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 |
|---|---|
| $500 in net purchases | $100 |
| $1,000 in net purchases | $200 |
Qualifying Period
Within 90 days of account opening
Payout
91-100 days from account opening
Requirements
- ✓Minimum net purchases of $500 in the first 90 days for $100 bonus
- ✓Minimum net purchases of $1,000 in the first 90 days for $200 bonus
- ✓$500 minimum spend for $100 bonus
- ✓$1,000 minimum spend for $200 bonus
- ✓Spend $500-$1,000 in first 90 days
- ✓Spend $1,000 in first 90 days for $200 bonus
- ✓Spend $500 in first 90 days for $100 bonus
- ✓Spend $1,000 in first 90 days for $200 bonus (or $500 for $100 bonus)
- ✓Spend $500-$1,000 in first 90 days to qualify for $100-$200 bonus
- ✓$500 minimum spend in first 90 days for $100 bonus
- ✓$1,000 minimum spend in first 90 days for $200 bonus
Restrictions
- ⚠Available only 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 in select states
- ⚠New cardholders only
- ⚠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
- No annual fee
- $10 balance transfer fee or 4% of amount transferred, whichever is greater
- $0 annual fee
- $10 balance transfer fee or 4% of amount transferred (whichever is greater)
- $10 cash advance fee or 4% of amount (whichever is greater)
- 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
- Bonus based on net purchases (purchases minus returns/credits)
- Bonus redeemable for check, statement credit, or deposit to Regions account
- Bonus paid as Cash Rewards that can be redeemed for check, credit to Regions credit card, or deposit account
- 0% intro APR for 12 months on purchases; balance transfers within 60 days
- After intro period: 19.24%-29.24% variable APR
- Balance transfer fee: $10 or 4% of transfer amount, whichever is greater
- 0% intro APR for 12 months on purchases and balance transfers (within 60 days of opening)
- Bonus is based on net purchases made during the qualifying period
- The $100 or $200 is in the form of Cash Rewards redeemable for check, credit to card, or credit to deposit account
- Credit card signup offer only; this is distinct from Regions Bank checking/savings account bonuses
- Balance transfer fee: $10 or 4% of balance transferred, whichever is greater
- Bonus is credited as cash rewards that can be redeemed for check, statement credit, or deposit account credit
- 0% intro APR for 12 months on purchases and balance transfers (posted within 60 days)
- Bonus is awarded as Cash Rewards that can be redeemed for check, statement credit, or deposit to Regions account
- 0% intro APR for 12 months on purchases and balance transfers posted within 60 days
- Balance transfer fee: $10 or 4% (whichever is greater)
- Cash advance fee: $10 or 4% (whichever is greater)
- Standard APR after intro: 19.24% - 29.24%
Last updated June 22, 2026
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
- Minimum net purchases of $500 in the first 90 days for $100 bonus
- Minimum net purchases of $1,000 in the first 90 days for $200 bonus
- $500 minimum spend for $100 bonus
- $1,000 minimum spend for $200 bonus
Common pitfalls
- Available only 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 in select states
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $3,000 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.
