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  First Horizon Bank Visa Signature® credit card

First Horizon Bank Visa Signature® credit card

in Personal Credit Cards from First Horizon Bank

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First Horizon Bank Visa Signature® credit card

Unaffiliated

in Personal Credit Cards from First Horizon Bank

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Highlights
Purchase APR  (Variable APR) 13% - 18%
Balance Transfer APR  (Variable APR) 13% - 18%
Credit Score Range 600 - 850
Annual Fee $0

First Horizon Bank Visa Signature® credit card Review

This is a credit card issued by First Horizon Bank. If you're wondering whether First Horizon Bank Visa Signature® 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
  • 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.
  • Signup bonus. Offers a signup bonus of 15000 points after spending $1,500 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. First Horizon Bank Visa Signature® credit card has a variable purchase APR that ranges from 13% up to 18%.
  • 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 Signature® credit card charges a fee of 4% on balance transfers, if you transfer the balance within 90 days of opening the account. For example, a balance of $1,000 could cost $40 in transfer fees. The minimum fee is $10.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, travel accident insurance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of First Horizon Bank Visa Signature® credit card
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.
  • Multiple credit card perks.
  • Access to a concierge.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • First Horizon Bank Visa Signature® credit card reports to multiple credit bureaus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Charges a 4% balance transfer fee, if you transfer the balance within 90 days of opening the account.
First Horizon Bank Visa Signature® credit card FAQ

Does First Horizon Bank Visa Signature® credit card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the First Horizon Bank Visa Signature® credit card benefits?

It provides the following benefits:

  • Emergency Support
  • Zero fraud liability
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What are the relevant APRs for First Horizon Bank Visa Signature® 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 lower than average regular APRs.

It has a variable purchase APR that ranges from 13% up to 18%. The card has a variable balance transfer APR that ranges from 13% up to 18%. It also has a variable cash advance APR starting at 20.75% .

The good news is this card does not charge a penalty APR if you are late on a payment.

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

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

First Horizon Bank Visa Signature® credit card Balance Transfers
Description
Balance Transfer Fee % After Intro Period Starting at 4%
Balance Transfer Fee Intro Period 90 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 13% - 18%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%

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

First Horizon Bank Visa Signature® credit card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 12 months

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

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

The following fees apply:

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

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 Signature® credit card have a foreign transaction fee?

This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.

What is the customer service phone number for First Horizon Bank Visa Signature® credit card?

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

What is the support contact email for First Horizon Bank Visa Signature® credit card?

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

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

Yes, First Horizon Bank Visa Signature® 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 Signature® credit card

  • Visit the First Horizon Bank Visa Signature® 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 7 states
  • Florida
  • Nevada
  • North Carolina
  • South Carolina
  • Tennessee
  • Texas
  • Virginia

Feature Breakdown

Every Purchase (Points) 1
Restaurants (Points) Starting at 2
Gas (Points) Starting at 2
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Foreign Currency Transaction Fee 0%
No Annual Fee
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) 4%
Minimum Cash Advance Fee ($) $10
Minimum Interest Charge $0.50
Returned Payment Fee Starting at $35
Late Fee Amount Starting at $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Concierge
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
No Blackout Dates
Signup Bonus (points) 15,000
Rewards Type Points
Cash Advance APR (Variable APR) Starting at 20.75%
Balance Computation Average daily balance (including new purchases, balance transfers and cash advances)
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 13% - 18%
Balance Transfer Fee % After Intro Period Starting at 4%
Balance Transfer Fee Intro Period 90 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 13% - 18%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 4%
Card Type
  • Bonus Offers
Card Network Visa

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