First Horizon Bank Visa Signature® credit card

First Horizon Bank Visa Signature® credit card Review

This is a 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.

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 16.00% up to 21.00%.
• 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 odds if your credit score is above 600.

Pros & Cons of First Horizon Bank Visa Signature® credit card

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?

First Horizon Bank Visa Signature® credit card has a variable purchase APR that ranges from 16.00% up to 21.00%. The card has a variable balance transfer APR that ranges from 16.00% up to 21.00%. It also has a variable cash advance APR starting at 21% .

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

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

The following fees apply:

• There is no overlimit fee

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 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.