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Regions Explore Visa® Credit Card

Regions Explore Visa® Credit Card

Build a Positive Credit History

Regions Explore Visa® Credit Card
  • Regular Purchase APR 24.49% variable based on the Prime Rate
  • Balance Transfer APR 24.49% variable based on the Prime Rate
  • Cash Advance APR 26.49% variable based on the Prime Rate
  • Annual Fee $29
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Secured by a Regions Explore Card savings account, this can help build credit history with responsible use
  • Gain access to Purchase Security and Warranty Manager benefits
  • Use with Google Pay™, Apple Pay® and Samsung Pay
Rates & Fees
  • Regular Purchase APR: 24.49% variable based on the Prime Rate
  • Balance Transfer APR: 24.49% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 26.49% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Annual Fee: $29
  • Late Payment Penalty Fee: Up to $39
  • Minimum Deposit Required: $250
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

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At a Glance

The Regions Explore Visa® Credit Card is a secured card that serves as a straightforward tool to help you build your positive credit history. You can set your credit limit based on the funds you deposit into your account, giving you control over the direction of your financial future.

Ideal for Those Who:

  • Want a simple secured card to rebuild your credit score
  • Do not want to pay foreign transaction fees on purchases while vacationing overseas
  • Seek a card with overdraft protection and the ability to monitor on your smartphone using Regions LockItSM on the Regions mobile app.

Regions Explore Visa® Credit Card Review

If a few money missteps have caused your credit score to plummet over time, the Regions Explore Visa® Credit Card may be just what you need to bring you back up.

Not only do you determine your credit limit based on how much you put into your Regions EWxplore Card savings account, but over time, your responsible behavior with this card may make it easier to qualify for the unsecured credit card of your dreams. This process is expedited with the Regions Explore Visa® as your behavior is also reported to all three major credit bureaus.

This secured credit card may also be a viable option for you if you travel often for work or leisure, as it doesn’t charge any foreign transaction fees. On top of that, it boasts a low annual fee and late payment fee, though you should definitely pay the former while avoiding the latter.

That advice can be applied for all credit cards, but especially with the Regions Explore Visa® Credit Card if you want to establish or improve your current credit score.

Should You Apply for the Regions Explore Visa?

The Regions Explore Visa from Regions Bank is a quality option for those seeking to build credit with on-time payments and regular reporting. The lack of a foreign transaction fee and the possibility of an upgrade to an unsecured credit card account are the top-selling points.

For those not sold on the high PAR with the Explore Card, the 9.99% APR of the First Progress Platinum Prestige Mastercard® is one of the lowest rates available and requires a minimum deposit of $200.

Read Also: What are the best secured cards of 2020?

For more information about small business secured credit cards, visit our Comprehensive Secured Card Reference Page, featuring the best-secured card offers, detailed advice, and tips to help you build your credit history and that of your company.