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  First Horizon Bank Visa Classic credit card

First Horizon Bank Visa Classic credit card

in Personal Credit Cards from First Horizon Bank

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First Horizon Bank Visa Classic credit card

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in Personal Credit Cards from First Horizon Bank

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Highlights
Purchase APR  (Variable APR) 14.75% - 18.75%
Balance Transfer APR  (Variable APR) 14.75% - 18.75%
Credit Score Range N/A
Annual Fee $0

First Horizon Bank Visa Classic credit card Review

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

Key Takeaways
  • 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 Visa Classic credit card has a variable purchase APR that ranges from 14.75% 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.
  • 4% Balance transfer fee. First Horizon Bank Visa Classic credit card charges a fee of up to 4% on balance transfers. For example, a balance of $1,000 could cost up to $40 in transfer fees. The minimum fee is $10.
  • 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.
First Horizon Bank Visa Classic credit card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • First Horizon Bank Visa Classic 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.
  • Charges a 4% balance transfer fee.
First Horizon Bank Visa Classic credit card FAQ

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

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

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

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

  • Reports to major credit bureaus

What are the relevant APRs for First Horizon Bank Visa Classic 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 Visa Classic credit card has lower than average purchase APRs.

First Horizon Bank Visa Classic credit card has a variable purchase APR that ranges from 14.75% up to 18.75%. The card has a variable balance transfer APR that ranges from 14.75% up to 18.75%. It also has a variable cash advance APR starting at 20.75% .

Does First Horizon Bank Visa Classic credit card have an introductory APR offer on balance transfers?

Yes, First Horizon Bank Visa Classic credit card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

First Horizon Bank Visa Classic credit card Balance Transfers
Description
Balance Transfer APR 14.75% - 18.75%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 4%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) N/A
Balance Transfer Fee Minimum $10

Does First Horizon Bank Visa Classic credit card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

First Horizon Bank Visa Classic credit card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 12

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

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

  • There is no overlimit fee
First Horizon Bank Visa Classic credit card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%

Does First Horizon Bank Visa Classic credit card have a foreign transaction fee?

First Horizon Bank Visa Classic credit card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

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

Yes, First Horizon Bank Visa Classic 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 Visa Classic credit card

  • Visit the First Horizon Bank Visa Classic 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 6 states
  • Florida
  • North Carolina
  • South Carolina
  • Tennessee
  • Texas
  • Virginia

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 4%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $50
Returned Payment Fee Starting at $35
Late Fee Amount Starting at $35
Customer Type Personal
Minimum Age 18
Supported Income Types Payroll Check or Prepaid Card
Employment Statuses Considered
  • Employed Full-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required  
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Emergency Support
  • Fraud Liability
  • Travel Assistance
Rewards Type No Rewards
Cash Advance APR (Variable APR) Starting at 20.75%
Purchase APR (Variable APR) 14.75% - 18.75%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.75% - 18.75%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%

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