First Horizon Bank Visa Signature® Credit Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Intro purchase APR
- 0% for 12 months from account opening date
At a glance
The First Horizon Bank Visa Signature® Credit Card gives cardholders the opportunity to earn two points for every dollar they spend at restaurants and gas stations. Cardholders can also earn one point for every dollar spent everywhere else. What’s more, you can earn 15,000 points if you spend $1,500 within 90 days from opening an account. On top of this, you also enjoy 0% APR for 12 months.
Our review of the First Horizon Bank Visa Signature® Credit Card
The First Horizon Bank Visa Signature® Credit Card is a top choice for those looking for a rewarding rewards card without an annual fee. With generous points earning opportunities and a valuable introductory 0% APR period, this card stands out among its competitors.
No Annual Fee on a Rewards Card
One of the most appealing features of the First Horizon Bank Visa Signature® Credit Card is its lack of an annual fee. While many rewards cards come with hefty fees, this card offers all its benefits without any additional cost to cardholders. This makes it a great option for those looking to maximize their rewards without breaking the bank.
Earn 2x Points on Gas and Dining
Cardholders can earn two points for every dollar spent at gas stations and restaurants with the First Horizon Bank Visa Signature® Credit Card. This generous points earning structure makes it easy to rack up rewards on everyday purchases, making this card a great choice for those who frequently drive or dine out.
1x Points on Everything Else
In addition to the 2x points on gas and dining, cardholders earn one point for every dollar spent on all other purchases with the First Horizon Bank Visa Signature® Credit Card. This straightforward earning structure allows cardholders to earn points on all their purchases, without having to worry about complicated tiers or bonus categories.
Earn 15,000 Bonus Points
New cardholders can earn 15,000 bonus points when they sign up for the First Horizon Bank Visa Signature® Credit Card and spend $1,500 within the first 90 days of account opening. This valuable bonus offer allows cardholders to jumpstart their rewards earnings and enjoy even more benefits from their new card.
Redeeming Your Points
While the rewards catalog for the First Horizon Bank Visa Signature® Credit Card is not publicly available, cardholders can redeem their points for a variety of rewards including gift cards, car rental vouchers, hotel stays, and more. Points expire after three years, so cardholders have plenty of time to accumulate points and redeem them for exciting rewards.
0% Introductory APR on Purchases
One of the standout features of the First Horizon Bank Visa Signature® Credit Card is its introductory 0% APR period on purchases. For the first 12 months after opening an account, cardholders can enjoy zero interest on all purchases made with their card. This feature is especially valuable for those planning to make a large purchase or carry a balance on their card.
0% APR on Balance Transfers
Additionally, the First Horizon Bank Visa Signature® Credit Card offers a 0% APR on balance transfers made during the introductory period. Cardholders can transfer existing balances to their new card and pay no interest for the first 12 months. This feature can help cardholders save money on interest charges and pay off their balances more quickly.
Should You Apply for the First Horizon Bank Visa Signature® Credit Card?
Overall, the First Horizon Bank Visa Signature® Credit Card is a top choice for those looking for a rewarding rewards card without an annual fee. With generous points earning opportunities, valuable bonus offers, and a 0% APR period on purchases and balance transfers, this card offers a wealth of benefits to cardholders. Consider applying for the First Horizon Bank Visa Signature® Credit Card to start earning valuable rewards today.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Earn 2 points for every $1 you spend at restaurants and gas stations
- Earn 1 point per dollar spent everywhere else
- Receive 15,000 bonus points when you spend $1,500 in the first 90 days
- Enjoy 0% introductory APR for 12 months on purchases and balance transfers
Who this card may suit
- You don’t want to pay an annual fee
- You would like to earn rewards points for your purchases
- You spend a lot at gas stations and restaurants
- You plan to spend $1,500 in the first 3 months of opening an account
- You want to take advantage of 0% APR for 12 months on balance transfers and purchases
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 12 months from account opening date |
| Regular Purchase APR | 18.25% to 21.00% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 12 months from account opening date |
| Balance Transfer APR | 18.25% to 21.00% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 4% of the the amount of each transfer, whichever is greater |
| Cash Advance APR | 21.00% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 4% of the the amount of each cash advance, whichever is greater |
| Late Payment Penalty Fee | Up to $35 |
| Return Payment Penalty Fee | Up to $35 |
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: Excellent Credit Good Credit.
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First Horizon Bank Visa Signature® Credit Card
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