Explore Visa Credit Card

Start building positive credit history with responsible use of the Explore Visa Credit Card. Apply today with a $250 minimum opening deposit in an Explore Card Savings Account^[1].

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Move forward with an Explore secured card

Take a step toward a solid financial future by applying for the Explore Visa®

Credit Card. The funds you deposit in an Explore Card Savings Account will secure your credit card obligations while earning interest at the same time.^[1] Responsible use of the Explore Credit Card can help you build a positive credit history and possibly qualify you for a refund of your security deposit.^[2]

Learn more about the Explore Card Savings Account

Explore card at a glance

$250

Minimum security deposit that may be refundable^[2]
$

Earn Cash Back with Regions Offers℠
$29

Annual Fee^[3]

Credit Card Control

Regions LockIt® gives you the power to customize how, when and where your credit card can be used.

Alerts to Verify Card Activity

If we see something suspicious, we may text, email and/or call you to determine whether you authorized the transaction.

Visa Zero Liability Policy^[4]

You're not responsible for unauthorized transactions made with your Visa credit card, online or offline.

Card details

- 27.24% variable annual percentage rate (APR) for purchases and balance transfers.
- 29.24% variable APR for cash advances.
- $29 annual fee.
- $10 balance transfer fee or 4% of the amount of the balance transferred, whichever is greater.
- $10 cash advance fee or 4% of the amount of the cash advance, whichever is greater.
- Late payment fee of up to $39.
- No foreign transaction fee.
- View Explore Visa Credit Card pricing details.
- Refundable Security Deposit. We may periodically evaluate your Credit Card Account to determine whether you qualify to have the funds in the Savings Account returned to you.^[2]
- Regions LockIt^® gives you the power to customize how, when and where your credit card can be used for certain types of transactions.
- View and activate Regions Offers^℠ in Online^[5] and Mobile^[6] Banking to earn cash back at select retailers.
- Alerts to verify card activity. If we see something suspicious, we may text, email and/or call you to determine whether you authorized the transaction.
- Simplified online shopping when you register your Regions credit card and then click to pay where you see this icon Visa Click to Pay icon .^[7]
- Tap to Pay is a contactless payment option that combines the best of chip card technology and security with the convenience of wireless technology.
- Make purchases using Mobile Pay. With one touch of your device, pay with your credit card through Apple Pay^®, Google Pay^™, Samsung Pay or LG Pay.^[8]
- Option to use your card for overdraft protection on a Regions checking account.
- Customize your card with Regions YourPix Studio for only $10.
- Visa Zero Liability Policy^[4]
- Travel & Emergency Assistance
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Purchase Security
- See complete list in Visa's Guide to Benefits.

Find and apply for a credit card online

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Other services and important information

As part of the application process for an Explore credit card account, you must open an Explore Card Savings account. If your credit card application is not approved, we will convert the savings account or otherwise return or credit the funds in it to you, as provided in the Explore Card Savings account terms. Learn more about the Explore Card Savings account.
We may periodically evaluate your Explore Credit Card Account to determine whether you qualify to have the funds in the Savings Account returned to you, a process sometimes referred to as “graduation” to an unsecured credit card account. As part of our evaluation, we will review a variety of factors, including your payment history on the Credit Card Account and your overall credit and payment history with us and other creditors. Not all customers will qualify for this refund. Non-U.S. citizens are not evaluated for graduation and are not eligible for this refund. However, non-U.S. citizens who are documented permanent resident aliens or refugees/asylees are eligible for apply for a Regions unsecured credit card. If we determine that you qualify, we will send you a notice that we have terminated the Hold Authorization and Security Agreement, and we will convert the savings account or otherwise return or credit the funds in it to you.
Learn more about the Annual Percentage Rates (APRs) and certain fees that apply to the Explore Visa Credit Card.
The Visa Zero Liability Policy does not apply if you have been fraudulent or negligent in handling your card or account.
Enrollment in Online Banking requires eligible Regions accounts. To enroll in Online Banking, you must have either a Social Security or Tax Identification Number or use alternative enrollment procedures available by visiting a branch. Mobile Banking, Regions Mobile Banking app, Alerts, Notifications, Text Banking and Mobile Deposit require a compatible device and enrollment in Online Banking. All are subject to separate terms and conditions. There is no fee to access Online Banking or Mobile Banking, but fees may apply to certain products and services offered through Online Banking and Mobile Banking. Mobile Deposit may be subject to fees. Your mobile carrier’s messaging and data fees may apply. You must be at least 18 years of age to use Regions Bill Pay or Zelle.® U.S. checking or savings account required to use Zelle.®
Mobile Banking, Regions Mobile Banking App, Alerts, Notifications, Text Banking and Mobile Deposit require a compatible device and enrollment in Online Banking. All are subject to separate terms and conditions. Mobile Deposit is subject to fees. Your mobile carrier’s messaging and data fees may apply.
EMV®SRC Payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast-forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.
Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google, Inc. Samsung Pay and the Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd.