| Last updated on November 9th, 2023
Regions Visa® Business Enhanced Credit Card
Regions Visa® Business Enhanced Credit Card
Regions Visa® Business Enhanced Credit Card
- 17.74% to 27.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.74% to 27.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.49% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
Small business owners that want to avoid paying annual fees or interest on purchases for 6 months can look to the Regions Visa® Business Enhanced Credit Card. Cardholders can also earn points for all of their qualifying purchases without bouncing between categories from quarter to quarter.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 0% introductory APR for 6 months on purchases
- Your business can earn 1 point for each $1 spent on qualifying purchases
- Save up to 15% on business purchases with designated merchants through the Visa SavingsEdge
- No annual fee
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 17.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 17.74% to 27.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $49
- You can make headway in your business with 0% interest on purchases for 6 months
- You want to earn points on purchases that can be redeemed for gift cards, cash, and other rewards
- You're interested in a 15% discount on business purchases through Visa SavingsEdge
Regions Visa® Business Enhanced Credit Card Review
The Regions Visa® Business Enhanced Credit Card offers you a straightforward way of earning points on the purchases you’re already making for the office. These points can then be redeemed for a number of rewards, such as gift cards, or be credited to your regions account. Extra savings are also attainable through the Visa SavingsEdge program in the form of 15% discounts on business purchases from select merchants.
Purchases made with the Regions Visa® Business Enhanced Credit Card are protected thanks to your Visa® Signature benefits, but you can keep an eye on your transactions through activity verification alerts you set up and online account management through your smartphone. Should you find yourself in a tough spot while traveling with this card though, know that you can also rely on Visa Travel and Emergency Assistance and a handy Visa Auto Rental Collision Damage Waiver should you need to.
Should You Apply for the Regions Visa® Business Enhanced Credit Card?
Like the Regions Visa® Business Card, the Regions Visa® Business Enhanced Credit Card boasts of a 0% intro APR on purchases but struggles in many other areas. For starters, that intro period is only six months – many other business cards from bigger banks pack a much longer punch (see the Capital One Spark cards, for example).
Additionally, the fees with card are higher than those found elsewhere. Balance transfers incur a 4% fee, as do cash advances. Typically, these fees with larger banks tend to be around 3%. That might not seem like much but those numbers add up quickly.
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