First Horizon Bank Platinum Visa credit card Review

First Horizon Bank Platinum Visa credit card is a credit card issued by First Horizon Bank. If you're wondering whether First Horizon Bank Platinum Visa credit card is the right card for you, read on. This is everything you need to know to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
• Competitive APRs. First Horizon Bank Platinum Visa credit card has a variable purchase APR that ranges from 13.75% up to 18.75%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.

The Good	The Bad
Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 12 months. No balance transfer fee. 0% APR on new purchases during the first 12 months. No annual fee. First Horizon Bank Platinum Visa credit card reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Does not include many credit card benefits.

Is there a First Horizon Bank Platinum Visa credit card cash back or rewards program?

No, First Horizon Bank Platinum Visa credit card does not offer a rewards program.

What are the First Horizon Bank Platinum Visa credit card benefits?

First Horizon Bank Platinum Visa credit card provides the following benefits:

• Reports to major credit bureaus

What are the relevant APRs for First Horizon Bank Platinum Visa credit card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. First Horizon Bank Platinum Visa credit card has lower than average purchase APRs.

First Horizon Bank Platinum Visa credit card has a variable purchase APR that ranges from 13.75% up to 18.75%. The card has a variable balance transfer APR that ranges from 13.75% up to 18.75%. It also has a variable cash advance APR starting at 20.75% .

What are the fees for First Horizon Bank Platinum Visa credit card?

The following fees apply to First Horizon Bank Platinum Visa credit card:

First Horizon Bank Platinum Visa credit card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%

Does First Horizon Bank Platinum Visa credit card report your account activity to credit bureaus?

Yes, First Horizon Bank Platinum Visa credit card reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for First Horizon Bank Platinum Visa credit card

• Visit the First Horizon Bank Platinum Visa credit card website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.