Our Visa Signature^®† card offers a low 0% APR intro rate for 12 months, then adjusts to variable APRs, currently 13.25% – 18.25% for purchases and balance transfers. Also, there's no annual fee! See Terms and Conditions.

Card Features

• Earn 15,000 bonus points when you spend $1,500 in the first 90 days**
• Earn 2 points for every dollar spent in net purchases at restaurants and gas stations, and 1 point everywhere else!
• Choose from a variety of redemption options, including:
  • Travel
  • Merchandise
• Redemptions starting at 5,000 points. View Visa Signature^® Guidelines for redemption information
• No blackout dates – travel anytime, anywhere
• It's easy to redeem points online or by phone at 844-297-3005
• Compatible with Apple Pay^® for convenient purchases
• Fraud alerts quickly notify you of any suspicious or unauthorized activity on your card
• Convenient card controls via Digital or Mobile Banking that allow you to turn your card “off” or “on” – quickly and easily – to help limit or prevent unauthorized use

Card Benefits

• Access to Visa Signature Concierge 24/7 personalized services
• Comprehensive fraud protection from Visa
  • Tools like the 3-Digit Security Code help keep purchases by phone or online secure
  • Visa does some of the work for you with Real-Time Fraud Monitoring
  • You get Zero Liability¹ and Identity Theft Assistance coverage
• $250,000 travel accident insurance
• Travel & Emergency Assistance
• Worldwide acceptance
• Link to checking for overdraft protection

Interest Rates

• See Terms and Conditions

• 0% Intro Rate for 12 months on purchases and balance transfers, adjusting to variable APRs, currently 13.25% – 18.25%*
• Variable APR for cash advances, currently 21.00%*

Fees

See Terms and Conditions

• Balance Transfer Fee: 4% of each new Balance Transfer, but the fee will not be less than $10²
• Cash Advance Fee: 4% of each new Cash Advance, but the fee will not be less than $10 per transaction
• Late Payment Fee: Up to $35
• Over Limit Fee: $0
• Return Payment Fee: Up to $35

Apply Now

Not a First Horizon customer? Please call 800-615-1933 or visit a banking center near you to apply.