First Horizon Bank Secured Visa® Classic Credit Card
- Annual fee
- None
- Recommended credit
- Poor / No Credit Required
- Card network
- Visa
- Regular purchase APR
- 21.00% Fixed
At a glance
The First Horizon Bank Secured Visa® Classic Credit Card features no annual fee. As with many secured cards, your security deposit equals your credit limit. Credit limits with this credit card range from $300 to $2,000. Additionally, this card features a flat interest rate for all applicants that varies with the Prime Rate.
Our review of the First Horizon Bank Secured Visa® Classic Credit Card
The First Horizon Bank Visa® Classic Credit Card is a basic card that is perfect for building credit without the hassle of rewards programs. With access to Visa’s international purchase power, this card is widely accepted by retailers worldwide.
New cardholders can enjoy a special perk of 0% interest for 12 months on purchases and balance transfers. This can be a great opportunity to save money on large purchases or paying off existing balances.
Save Money with No Annual Fee
One of the standout features of the First Horizon Bank Visa® Classic Card is that it comes with no annual fee. This is a rare find among credit cards, making it a cost-effective option for those looking for a simple credit card solution.
0% APR on Purchases
The most appealing feature of this card is the 0% interest on purchases for the first 12 months. This can be a great way to save on interest when making significant purchases or furnishing a new home.
0% APR on Balance Transfers
In addition to the 0% APR on purchases, the First Horizon Bank Visa® Classic Card also offers a 12-month zero-interest period on balance transfers. This can be a helpful feature for consolidating debt and paying off balances without accruing additional interest.
Strategic Use of Balance Transfer Feature
By strategically utilizing the balance transfer feature, cardholders can pay off small balances throughout the first year. This can help manage debt and improve overall credit health.
Is the First Horizon Bank Visa® Classic Credit Card Right for You?
If you’re looking for a basic credit card to build credit and save money on interest, the First Horizon Bank Visa® Classic Card could be a great option for you. With no annual fee and attractive 0% APR offers, this card can help you achieve your financial goals.
Explore other credit-building credit card options to find the best fit for your needs.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- No guessing what your interest rate will be with a one-size-fits all APR
- Improve your credit history with built-in credit reporting
- Pay for purchases just like you would with a regular credit card
Who this card may suit
- You want a credit card
- You have no credit or poor credit
- You would like to build or repair your credit rating
- You do't want to pay an annual fee
- You don’t need a high credit limit
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 21.00% Fixed |
| Cash Advance APR | 21.00% Fixed |
| Cash Advance Transaction Fee | $10 or 4% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $35 |
| Return Payment Penalty Fee | Up to $35 |
| Minimum Deposit Required | $300 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Poor Credit Limited or No Credit.
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First Horizon Bank Secured Visa® Classic Credit Card
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