First Horizon Bank Credit Cards

First Horizon Bank is based in the Southeastern United States and currently has about 250 locations throughout that region to assist consumers with their banking needs. The bank is dedicated to providing innovative solutions to customers’ banking needs along with friendly customer service. Browse credit cards below.

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First Horizon Bank Visa Signature® Credit Card

First Horizon Bank Visa Signature® Credit Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

First Horizon Bank Visa Signature® Credit Card

  • 18.25% to 21.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 18.25% to 21.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 21.00% variable based on the Prime Rate Cash Advance APR
  • 0% for 12 months from account opening date Intro Purchase APR

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.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • 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
  • 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

First Horizon Bank Platinum Premier Visa® Credit Card

First Horizon Bank Platinum Premier Visa® Credit Card
Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair
Visa Processing Network
None Annual Fee

First Horizon Bank Platinum Premier Visa® Credit Card

  • 19.00% to 21.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.00% to 21.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 21.00% variable based on the Prime Rate Cash Advance APR
  • 0% for 12 months from account opening date Intro Purchase APR

At a Glance

The First Horizon Bank Platinum Premier Visa® Credit Card charges cardholders no annual fee. Additionally, new cardholders can take advantage of 0% interest on purchases for 12 months. The same 0% APR also applies to balance transfers for the first 12 months that you have this credit card.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Access to Visa® Perks, like rental car insurance and emergency assistance
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 19.00% 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: 19.00% to 21.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of 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 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
  • You don’t want to pay an annual fee
  • You need a higher credit limit
  • You would like to take advantage of 0% APR for 12 months on purchases
  • You need to transfer a balance and intend to pay it off in 12 months

First Horizon Bank Visa® Classic Credit Card

First Horizon Bank Visa® Classic Credit Card
Good-Fair
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair
Visa Processing Network
None Annual Fee

First Horizon Bank Visa® Classic Credit Card

  • 21.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 21.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 21.00% variable based on the Prime Rate Cash Advance APR
  • 0% for 12 months from account opening date Intro Purchase APR

At a Glance

The First Horizon Bank Visa® Classic Credit Card features no annual fee. Additionally, cardholders can take advantage of an introductory 0% APR for 12 months. This promotion applies to both purchases and balance transfers.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Enjoy Visa Perks, like rental car insurance and emergency assistance
  • Intro Purchase APR: 0% for 12 months from account opening date
  • Regular Purchase APR: 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: 21.00% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $10 or 4% of 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 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
  • You want a basic credit card that doesn’t offer rewards
  • You don’t want to pay an annual fee
  • You need to transfer a balance and intend to pay it off in 12 months
  • You would like to take advantage of 0% interest on purchases for 12 months

First Horizon Bank Secured Visa® Classic Credit Card

First Horizon Bank Secured Visa® Classic Credit Card
Poor-No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Poor / No Credit Required
Visa Processing Network
None Annual Fee

First Horizon Bank Secured Visa® Classic Credit Card

  • 21.00% Fixed Regular Purchase APR
  • 21.00% Fixed Cash Advance APR

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.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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
  • 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
  • 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

About First Horizon Bank

First Horizon Bank is a Memphis, Tennessee- based financial institution with roots that stretch back to the Civil War. The bank was initially founded by Ohio businessman Frank Davis in 1864 as First National Bank of Memphis. By 1897, First National Bank of Memphis surpassed $1 million in total deposits.

As of 1967, First National was the largest bank in the Mid-South, with more banks being acquired by 1972. This spate of acquisitions resulted in a name change from First National Bank of Memphis to First Tennessee Bank.

By the 1990s First Tennessee was among the top-10 issuers of mortgages in the United States, with further diversification of banking services and locations in the passing decades.

In 2019, the bank changed its name to First Horizon Bank – a title it still uses. In March 2020, IBERIABANK and First Horizon Bank announced a proposed merger, which would create a combined financial banking institution with over $70 billion in assets and over 460 banking centers across the U.S. Southeast.

Branch Locations

First Horizon has hundreds of branches throughout the U.S. South and Southeast. For a complete listing of First Horizon branch locations near you, please visit the bank’s locations page.

First Horizon Credit Cards

First Horizon currently issues four credit cards. These cards offer the basic perks users expect from Visa credit cards, including Zero Fraud Liability, roadside assistance, and more. Visa Signature cardholders can expect even more benefits, including Visa Signature Luxury Concierge and access to the Visa Signature Luxury Hotel Collection.

Even though First Horizon offers a secured credit card – the First Horizon Classic Secured, it might not be the best option for rebuilding credit from the bank.

Since First Horizon owns Capital Bank, a better vet for consumers with bad credit may be Capital Bank’s OpenSky Visa. That card requires no credit check, features a fast and simple application process, and offers regular reporting to all three credit bureaus: Experian, Equifax, and TransUnion.

FAQs About First Horizon Bank

Here are answers to common questions about First Horizon Bank:

  • First Horizon’s routing number is 084000026.
  • The toll-free number for customer service is 1-800-382-5465. Customer service representatives are available Monday through Friday from 7 am to 10 pm Eastern, and 8 am to 5 pm Eastern on Saturday. Customer service is closed on Sundays.
  • First Horizon has a mobile banking application that is available in both the Google Play Store and the Apple App Store.

Find the Best Card for You

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