Regions Bank Business Enhanced Visa Card: $300 Bonus and 0% APR for a Year

If you're a small business owner in the Southeast or parts of the Midwest, Regions Bank has a card offer that might catch your eye. The Business Enhanced Visa Card is currently offering a $300 cash back bonus and a full year of 0% APR on purchases. The catch? You have to apply in person at a Regions branch. Let's break down what's on the table and whether it's worth the trip.

What’s in the Offer?

Regions Bank is rolling out a solid incentive for business owners who open a Business Enhanced Visa Credit Card at a physical branch. You’ll earn $300 in cash back after you spend $3,000 or more within the first 90 days of account opening. On top of that, you get a 0% introductory APR on purchases for 12 months, which gives you breathing room if you have large upcoming expenses or want to manage cash flow without interest piling up.

The card itself comes with no annual fee, and you’ll earn 2% cash back on all purchases—no categories to track, no rotating limits. That flat rate is pretty straightforward and can add up quickly if you put regular business spending on the card.

The Catch: You Have to Visit a Branch

Here’s the thing—this offer isn’t available online. You need to walk into a Regions branch to apply. That means if you’re not near one of the states where Regions operates (Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, or Texas), you’re out of luck.

Branch-only offers are a bit of a hassle, but they can be worth it if you’re already banking with Regions or have a branch nearby. Plus, you might be able to combine this with other promotions, like the Regions $300 business checking bonus and a $150 referral offer, if you’re eligible. That could stack up to a nice chunk of change.

Is It Worth Your Time?

Let’s do the math. You need to spend $3,000 in three months to get the $300 bonus. That’s a manageable threshold for most businesses, even smaller ones. Plus, you’re earning 2% cash back on that spending, which adds another $60. So you’re looking at $360 in total rewards from just your normal spending, plus the interest savings from the 0% APR period.

The 0% APR for 12 months is particularly valuable if you’re planning a big purchase or need to float expenses for a while. Just make sure you can pay off the balance before the intro period ends—after that, the standard APR will kick in, and you don’t want to be caught off guard.

Things to Watch Out For

Before you rush to a branch, consider a few things. First, this is a business card, so it may impact your personal credit if you’re a sole proprietor or if you personally guarantee the account. Make sure you understand how Regions reports to credit bureaus—some business cards don’t show up on your personal credit report, but it’s not guaranteed.

Also, the 2% cash back is great, but check if there are any caps or restrictions. Some cards limit how much cash back you can earn in certain categories, though this one seems straightforward. Still, it’s worth reading the fine print.

Finally, the branch requirement is a real hurdle. If you don’t live near a Regions branch, this offer isn’t for you. And even if you do, you’ll need to set aside time for an in-person appointment, which might not be convenient for everyone.

How to Apply

To take advantage of this offer, you’ll need to visit a Regions branch in one of the eligible states. Bring your business information, such as your Employer Identification Number (EIN) or Social Security number if you’re a sole proprietor, and be ready to discuss your business finances. It’s a good idea to call ahead and confirm the offer is still available, as promotions can change or expire without much notice.

Bottom Line

• Earn $300 cash back after spending $3,000 in the first 90 days.
• Enjoy 0% APR on purchases for 12 months—great for managing cash flow.
• Flat 2% cash back on all purchases with no annual fee.
• Must apply in person at a Regions branch in eligible states.
• Consider stacking with other Regions promotions for extra value.

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