Our Visa Signature®† card offers a low 0% APR intro rate for 12 months, then adjusts to variable APRs, currently 16.50% – 21.00% 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 and cash back via a statement credit
- 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®, Google Pay™ and Samsung Pay™ for convenient purchases
- Fraud alerts that 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
- Cellular phone protection
- Purchase security
- $250,000 travel accident insurance
- Lost luggage insurance
- Travel and emergency assistance services
- Worldwide acceptance
Interest Rates
- 0% Intro Rate for 12 months on purchases and balance transfers, adjusting to variable APRs, currently 16.50% – 21.00%*
- Variable APR for cash advances, currently 21.00%*
Fees
- 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
Not a First Horizon customer? Please call 800-615-1933 or visit a banking center near you to apply.
