Visa Signature® from First Horizon Bank Review
Visa Signature® from First Horizon Bank — all information about the credit card.
Updated December 07, 2023
Apply now
Recommended credit score
Good to Excellent (670-799)
- Rewards Rate:
- 2x Points for every dollar spent in net purchases at restaurants and gas stations.
- 1x Point everywhere else.
- Intro Offer:
- 15,000x Bonus points when you spend $1,500 in the first 90 days.
- Annual Fee:$0
- Purchase Intro APR:0% Introductory APR for the first 12 months after account opening
- Regular APR:18.25% - 21.00% Variable
- Balance Transfer APR:18.25% - 21.00% Variable
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First Horizon Bank Visa Signature® Rewards Calculator
Your Results
Yearly earnings
$30
Annual fee
$0
Yes, First Horizon Bank Visa Signature® credit card is worth its annual fee!
How to maximize your First Horizon Bank Visa Signature® rewards?
You can boost your total rewards by getting First Horizon Bank welcome bonus. To do that spend more on all purchases. To maximize all other rewards follow the tips below:
- Spend more on Gas
- Redeem most of your points for Gift cards from Partners
- Pay off your balance in full each month.
- Make a large purchases plan.
Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with First Horizon Bank Visa Signature®.
Your net profit in the first year
$30
x11
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You will receive 6,000 points in the first year (equivalent to $30)
Where you get the most profit
- Gas
- Dining
- All other purchases
Gas
$12
Dining
$12
All other purchases
$6
Total
$30
Annual fee
$0
Net yearly credit card profit
$30
All benefits
- Points
- 2x For every dollar spent in net purchases at restaurants and gas stations.
- 1x Everywhere else.
- Travel
- Visa Signature Concierge:
- Access to Visa Signature Concierge 24/7 personalized services.
- $250,000 Travel accident insurance.
- Travel & Emergency Assistance:
- Travel and Emergency Assistance Services provide assistance and referral only. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided.
Rate and fee information
- Purchase Intro APR
- 0% Introductory APR for the first 12 months after account opening
- Purchase APR
- 18.25% - 21.00% Variable
- Intro Balance Transfer APR
- 0% Introductory APR for the first 12 months after account opening
- Balance Transfers APR
- 18.25% - 21.00% Variable
- APR for Cash Advances
- 21.00% Variable
- How to Avoid Paying Interest
- Your due date is at least 24 days after the close of each billing cycle.
Fees
- Annual Fee
- $0
- Fees for Balance Transfer
- 4% of each new Balance Transfer, but the fee will not be less than $10 per transaction
- Fees for Cash Advances
- 4% of each new Cash Advance, but the fee will not be less than $10 per transaction
- Penalty Fees
- None
- Return Payment
- Up to $35
- Late Payment
- Up to $35
Pros & Cons
Pros:
- No Annual Fee
- No Foreign Transaction Fee
- Intro APR period
Cons:
- Extra Fees
Features
- 0% Intro APR
- No Annual Fee
- No foreign transaction fees
- Fraud Protection
- Rewards
- Bonus points
- Purchase Protection
- 24/7 Travel Assistant
- Good Credit
- Excellent Credit
About the issuer
First Horizon Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your
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See Another Credit Cards in the Bank
First Horizon Bank Visa Signature® is an option for those, who need Classic features. With an APR of 18.25% - 21.00% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With First Horizon Bank Visa Signature® you will get such features as 0% Intro APR, No Annual Fee, No foreign transaction fees, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.
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