If you live in the Southeast U.S. and you bank with First Horizon, their credit cards may stand out. Whether you’re looking to earn travel rewards, build your credit, or enjoy low interest rates, there is a First Horizon credit card to match your goals.
In this in-depth guide, we’ll explore all the First Horizon Bank credit card options, explain their benefits, and help you decide which card is right for you.
First Horizon Credit Card Overview
First Horizon Bank, once known as First Tennessee Bank, is a well-established regional bank based in the southeastern United States. It was founded in 1864, making it one of the oldest banks still operating today. The bank’s headquarters is in Memphis, Tennessee, and its current CEO is Thomas Bryan Jordan. As of 2025, First Horizon serves customers in 12 different states, including Tennessee, Florida, Texas, and several others across the Southeast.
As a well-established regional bank, it offers four different Visa credit cards to meet various financial goals, from earning travel rewards to building or repairing your credit score.
Here are some reasons to think about First Horizon credit cards:
- No annual fees: You won’t have to pay just to keep your card active.
- Low introductory APRs: Great if you want to make a big purchase or transfer a balance and pay no interest for the first year.
- Earn reward points: Get rewarded for everyday spending, especially on gas and dining.
- Simple account management: Use First Horizon’s mobile app or online portal to manage your account easily.
- Strong security: Real-time fraud alerts and zero liability protection give you peace of mind.
- Perfect for all levels: Whether you’re just starting out or want premium perks, there’s a card for you.
Now let’s explore each card in more detail so you can find the one that suits your needs best.
First Horizon Credit Card Lineup
First Horizon offers four main credit cards, each built to serve different financial goals and lifestyles. These cards are all part of the Visa family, which means they are widely accepted and come with built-in security protections. Here’s a quick look at what each one offers:
First Horizon Visa Signature Credit Card
This is the most feature-packed card First Horizon offers. It’s perfect for those who love to travel and want premium benefits without paying an annual fee.
Key Benefits:
- For a full first year, purchases and balance transfers are eligible for 0% intro APR.
- Regular APR: 17.25% – 21.00%
- Earn a First Horizon credit card bonus: 15,000 points after spending $1,500 in the first 90 days
- Earn more: 2x points at restaurants and gas stations, 1x point on everything else
- Flexible redemption options: Exchange points for items, gift cards, cash back, or trips.
- No blackout dates when booking travel
- Extra perks: Visa Signature Concierge, travel insurance, purchase protection
- Security: Real-time fraud alerts and zero liability for unauthorized charges
- Tech-ready: Works with Apple Pay, Google Pay, and Samsung Pay
If you dine out often or travel regularly, this First Horizon credit card gives you the best value with solid reward earnings and premium benefits without an annual fee.
First Horizon Platinum Premier Visa Credit Card
Looking for a card that rewards everyday purchases without being complicated? The Platinum Premier is an excellent choice for steady spenders.
Key Benefits:
- 0% intro APR for a full first year on purchases and balance transfers
- Regular APR: 18.00% – 21.00%
- No annual fee
- Earn 1 point per $1 on all purchases, with no cap
- Redeem points for travel, merchandise, or cash back
- Security features: ID theft monitoring, fraud alerts, and 24/7 emergency help
- Roadside assistance and global acceptance
- Mobile-friendly: Add to your digital wallet for quick, contactless payments
This First Horizon credit card is best for people who want a steady and no-fuss rewards card that works for all types of purchases.
First Horizon Visa Classic Credit Card
If you’re just starting your credit journey or trying to pay off other cards, the Visa Classic offers a low-cost, beginner-friendly option.
Key Benefits:
- 0% intro APR for 12 months, helpful for balance transfers or big purchases
- Regular APR: 19.00% – 21.00%
- No annual fee
- Credit lines start at $1,000
- Security features: Fraud alerts, chip technology, and contactless payment options
- Manage your card easily via First Horizon’s mobile app
- Accepted globally wherever Visa is used
It’s an ideal option if you’re looking for a basic, low-maintenance credit card that still includes important protections and has no annual cost.
First Horizon Secured Visa Credit Card
If you have limited or damaged credit, this secured credit card is a smart way to build your score while staying in control.
How It Works: You make a refundable security deposit of $250 to $5,000, which becomes your credit limit. This protects both you and the bank while helping you build a positive credit history.
Key Benefits:
- No annual fee
- APR: Fixed at 21.00%
- Credit building: Reports to all 3 major credit bureaus
- Flexible deposit: Choose your limit based on your deposit
- Full security features: Real-time fraud alerts, online controls, and chip technology
- Digital-friendly: Use with mobile wallets and access your account online
- Worldwide acceptance anywhere Visa is used
Comparing All Card Options
Here’s a side-by-side look at all four First Horizon personal credit card options:
| Feature | Visa Signature | Platinum Premier | Visa Classic | Secured Visa |
|---|---|---|---|---|
| Annual Fee | $0 | $0 | $0 | $0 |
| Intro APR | 0% for 12 months | 0% for 12 months | 0% for 12 months | None |
| Regular APR | 17.25% – 21.00% | 18.00% – 21.00% | 19.00% – 21.00% | 21.00% |
| Rewards Rate | 2x gas/dining, 1x other | 1x on all purchases | None | None |
| Bonus Offer | 15,000 points | None | None | None |
| Credit Building | Yes | Yes | Yes | Yes (Secured) |
| Concierge Service | Yes | No | No | No |
| Compatible with Digital Wallets | Yes | Yes | Yes | Yes |
First Horizon Credit Card Fees
While First Horizon credit cards don’t charge annual fees, there are still some other costs you should know about. These fees won’t apply all the time, but it’s smart to be aware so you can avoid surprise charges:
| Fee Type | Details |
|---|---|
| Annual Fee | $0 (No annual fee for any card) |
| Balance Transfer Fee | 4% of the amount transferred (minimum $10) |
| Cash Advance Fee | 4% of the amount (minimum $10) |
| Late Payment Fee | Up to $35 if you miss the due date |
| Returned Payment Fee | Up to $35 if your payment is returned or declined |
| Foreign Transaction Fee | 3% on international purchases (Visa Signature® card has no foreign fee) |
| Over-the-Limit Fee | $0 (No over-limit fee, but charges may be declined if you go over limit) |
| Replacement Card Fee | Free for the first replacement; fee may apply for additional replacements |
| Rush Delivery Fee | Extra charge may apply if you request expedited card delivery |
Knowing these charges ahead of time can help you manage your spending wisely and avoid extra costs.
First Horizon Credit Card Eligibility
To qualify for a First Horizon credit card, you must meet these basic requirements:
- Be at least 18 years old
- Be a U.S. citizen or permanent resident
- Live in a state where First Horizon operates, such as Tennessee (TN), Texas (TX), Florida (FL), North Carolina (NC), Virginia (VA), or New York (NY)
- Be a First Horizon banking customer, or visit a branch to open a checking or savings account before applying
Moreover, make sure to prepare the following items to complete your application:
- A valid government-issued photo ID (like a driver’s license or passport)
- Your Social Security Number (SSN)
- Current contact information including address, phone number, and email
- Employment details, including your current job and employer information
- Income information to help determine your credit limit and eligibility
How to Apply for a First Horizon Credit Card
Getting a credit card with First Horizon is straightforward. If you’re already a First Horizon customer, you can apply directly online through your account portal.
Here’s how to do it:
- Sign in to your First Horizon Digital Banking account on the official website or mobile app.
- Go to the credit card section, and select the card that fits your needs, such as the Visa Signature, Platinum Premier, or Visa Classic.
- Fill out the online First Horizon credit card application form. Make sure to complete all the required fields (marked with an asterisk *).
- Carefully review the credit card terms, rates, fees, and reward details before submitting your application.
Once you submit the form, you should receive a response by email within one business day. You may be approved right away or asked to provide more information. Either way, the process is designed to be smooth and secure for existing customers.
But if you’re new to the bank, there are a few extra steps to follow. You’ll need to do one of the following:
- Visit a First Horizon banking center near you
- Call the First Horizon credit card phone number at 800-615-1933 for guidance
- Open a First Horizon account before applying for one of its credit cards
How to Use Your Card
Once your First Horizon credit card is activated, using it wisely can help you manage your finances, earn rewards, and build your credit over time:
First Horizon Credit Card Activation
After receiving your First Horizon credit card, you need to activate it before using it. Here are your options:
- Use the Mobile App or Website: Log in to your Digital Banking account. Go to “Card Controls” or “Manage Your Cards.” Find your new card and select “Activate.” Enter the 3-digit security code (CVV) on the back of your card. Once done, your card is ready to use.
- Call Customer Service: You can also call First Horizon support. A representative will help you activate your card over the phone.
- Turn Card On in App: First Horizon gives you control over your card. In the app, you can switch your card on or off. To activate, simply toggle the card “on.” This unlocks it for purchases, including contactless payments.
Before you start using your First Horizon credit card, here’s a quick checklist of what you should do first:
- Sign the back of your card.
- Log in to the app or online banking.
- Go to Card Controls and activate the card.
- Enter your CVV code to confirm.
- Add the card to your mobile wallet if you’d like (Apple Pay, Google Pay, etc.).
- Set spending alerts for extra security.
Once activated, your card is ready to use online, in-store, or anywhere Visa is accepted.
Managing Your Account Online
First Horizon makes it easy to take control of your credit card account anytime, anywhere with their online and mobile banking tools.
You can easily:
- Check your current balance
- View past statements and transaction history
- Pay your credit card bill quickly
- Set up spending or payment alerts
- Freeze or unfreeze your card if it’s lost or stolen
The mobile app is user-friendly and designed to help you stay in control of your spending and security.
First Horizon Credit Card Payment
You can pay your First Horizon credit card in a few easy ways:
- Online or Mobile App: Log in to your First Horizon account on the website or mobile app. Go to the “Payments & Transfers” section. Choose “Pay Credit Card” or “Bill Pay.” Enter the amount, pick your funding account, and submit. You can also set up automatic payments. You’ll get alerts when your payment goes through or when it’s due.
- AutoPay Setup: AutoPay lets you schedule payments automatically from your First Horizon checking or savings account. You can choose to pay the full balance, minimum amount, or a custom amount each month. This helps you avoid late fees.
- Pay by Phone or Mail: You can call customer service to make a payment by phone. Or send a check by mail. Make sure to include your credit card number on the check so the payment is applied correctly.
- Payment Timing: Payments made before 5:00 p.m. Central Time usually post the same day. If made later, they post the next business day, but may still count for the day before. This helps you avoid late fees if you meet the cut-off time.
Card Benefits & Security Features
No matter which card you choose, First Horizon gives you access to strong protection tools and useful personal benefits that make managing your money easier and safer:
- Zero Liability: You won’t be held responsible for unauthorized purchases
- Fraud alerts: Get notified right away if suspicious activity is detected
- Card controls in the mobile app: Lock or unlock your card instantly
- 3-digit CVV codes: Extra protection when shopping online
- Real-time fraud monitoring: Around-the-clock surveillance to keep your account safe
- Contactless payments: Use Apple Pay, Google Pay, or Samsung Pay for faster checkouts
In addition, some First Horizon credit cards, especially the Visa Signature and Platinum Premier Visa, come with additional benefits that are great for frequent travelers and cardholders who want more protection and convenience. These may include:
- Travel accident insurance: Covers you during flights and trips
- Lost luggage reimbursement: Get money back if your bags are lost or delayed
- Roadside dispatch: Help is just a phone call away if your car breaks down
- Emergency card replacement: Get a new card fast if yours is lost or stolen while traveling
- Identity theft protection: Tools to help you recover if your personal info is compromised
Redeeming Rewards
If you have the Visa Signature or Platinum Premier Visa, you will earn reward points every time you use your card, and redeeming those points is easy.
You can use your points for:
- Travel: Book flights or hotel stays with no blackout dates
- Cash Back: Redeem points as a statement credit to reduce your card balance
- Gift Cards: Choose from a wide selection of popular brands
- Merchandise: Shop for electronics, home goods, and more using your points
Redemptions start at just 5,000 points, so you can start using your First Horizon credit card rewards without waiting too long.
First Horizon Credit Card FAQs
Do First Horizon credit cards have an annual fee?
- No. All First Horizon Bank credit cards come with $0 annual fees, making them budget-friendly options.
Can I apply if I don’t bank with First Horizon?
- Yes, but you’ll need to visit a branch in person. Existing customers can apply online through Digital Banking.
How do I earn reward points?
- With eligible cards, you earn points every time you make a purchase. Some categories like gas and dining offer double points.
Can I use these First Horizon cards internationally?
- Yes. All cards are accepted worldwide. However, just be aware of foreign transaction fees.
How long does it take to get approved?
- Most people receive a decision within 1 to 3 business days, either by email or phone.
First Horizon credit card options are all simple, flexible, and full of useful features. Whether you’re looking to earn rewards, improve your credit, or just want a reliable card with low fees, there’s a First Horizon option for you. With no annual fees, strong introductory offers, and trusted Visa protections, these cards can easily support your financial goals in 2025.
