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  First Horizon Bank Visa Classic Secured credit card

First Horizon Bank Visa Classic Secured credit card

in Personal Credit Cards from First Horizon Bank

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First Horizon Bank Visa Classic Secured credit card

Unaffiliated

in Personal Credit Cards from First Horizon Bank

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Highlights
Purchase APR  (Variable APR) Starting at 19.15%
Balance Transfer APR  (Variable APR) Starting at 19.15%
Credit Score Range N/A
Annual Fee $0

First Horizon Bank Visa Classic Secured credit card Review

This is a credit card issued by First Horizon Bank. If you're wondering whether First Horizon Bank Visa Classic Secured credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 19.15%
  • 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.
Pros & Cons of First Horizon Bank Visa Classic Secured credit card
The Good The Bad
  • No annual fee.
  • First Horizon Bank Visa Classic Secured credit card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • 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.
First Horizon Bank Visa Classic Secured credit card FAQ

Does First Horizon Bank Visa Classic Secured credit card have a cash back or rewards program?

No, it does not offer a rewards program.

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

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has higher than average regular APRs.

It has a variable purchase APR starting at 19.15% . The card has a variable balance transfer APR starting at 19.15% . It also has a variable cash advance APR starting at 20.75% .

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

No, it does not come with an intro APR offer for balance transfers.

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

This card does not offer an intro APR rate on new purchases.

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

The following fees apply:

First Horizon Bank Visa Classic Secured credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

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

First Horizon Bank Visa Classic Secured 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 foreign transaction fees.

What is the customer service phone number for First Horizon Bank Visa Classic Secured credit card?

The First Horizon Bank Visa Classic Secured credit card customer service number is (800) 382-5465.

What is the support contact email for First Horizon Bank Visa Classic Secured credit card?

The support contact email for First Horizon Bank Visa Classic Secured credit card is customerservice@firsthorizon.com.

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

Yes, First Horizon Bank Visa Classic Secured 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 Secured credit card

  • Visit the First Horizon Bank Visa Classic Secured 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

No Annual Fee
Annual 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%
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
  • Employed Part-Time
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Security Deposit Starting at $300
Cash Advance APR (Variable APR) Starting at 20.75%
Purchase APR (Variable APR) Starting at 19.15%
Balance Transfer APR (Variable APR) Starting at 19.15%

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