Detected in the CFPB-filed cardholder agreements from Regions Bank. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…re such a waiver is prohibited by applicable law. Requirement to Arbitrate. Upon the demand of you or us, any Claim(s) will be resolved by individual binding arbitration under the terms specified in this Mutual Arbitration Agreement. A Claim subject to arbitration is any claim, cause of action, dispute, or controversy…”
You can't band together with other cardholders in a class action.
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“…ansferred, removed, or appealed to a different court or the matter is not brought on an individual basis (i.e., a class, consolidated, collective, or representative basis), at which point either party has the right to demand arbitration. If a claim is within the jurisdiction of the small claims court where you reside,…”
You waive your right to have a dispute heard by a jury.
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“…an official judgment. The specific terms and conditions under which we may arbitrate a dispute are continued in the Mutual Arbitration Agreement and Waiver of Jury Trial section of this Agreement. Please read the rest of this section carefully. This Agreement is made in Alabama and we extend credit to you from A…”
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Balance transfer APR
Promotional window: 15 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered0%
Median0%
Highest offered0%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered28.49%
Median28.49%
Highest offered28.49%
Every fee on this card
Annual feeNone
Balance transfer fee4% (min $10)
Cash advance fee4% (min $10)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$28
Repeat late fee (6 mo)$39
Over-limit feeNone
Minimum finance charge$1.50
Balance computationAverage daily balance including new purchases
Additional fees
Return access check fee$25
Copy Fee$5
Expedited delivery fee$25
Stop payment fee$25
Rewards, benefits and features
Rewards
Other rewards
Services
Access to Free Credit Scores
Automobile rental insurance
Credit card registration
Extension on manufacturer’s warranty
Other
Features
Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Earn points to redeem for travel, Merchandise and cash back
Who can get this card
AvailabilityRegional
StatesAL, AR, FL, GA, IL, IN, KY, LA, MO, MS, NC, SC, TN, TX
Membership requirementsOpen to the public
Phone1-800-253-2265
Balance transfer calculator
Stay put — 15 mo at 24%$750
Transfer fee (4%)$200
Promo interest at 0.00%$0
You save$550
Assumes you pay the balance down evenly across the 15-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 25.49% afterwards.
Cost to carry a balance
Interest for a year at 25.49%$764.70
Annual / periodic fees$0
Total yearly cost$764.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 21-day grace period avoids the interest entirely.
Cardholder agreements
3 documents filed by Regions Bank in the 2026 Q1 archive.