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First Horizon Bank Secured Visa® Classic Credit Card
- Regular Purchase APR 19.15% variable based on the Prime Rate
- Cash Advance APR 20.75% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Poor , No Credit Required
- Processing Network Visa
- 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: 19.15% variable based on the Prime Rate
- Cash Advance APR: 20.75% variable based on the Prime Rate
- 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
First Horizon Bank Visa® Classic Credit Card
- Regular Purchase APR 13.75% to 18.75% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.75% to 18.75% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 20.75% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good , Fair
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Visa
- 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: 13.75% to 18.75% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 13.75% to 18.75% 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: 20.75% 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
First Horizon Bank Platinum Premier Visa® Credit Card
- Regular Purchase APR 13.75% to 18.75% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.75% to 18.75% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 20.75% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good , Fair
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Visa
- 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: 13.75% to 18.75% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 13.75% to 18.75% 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: 20.75% 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
First Horizon Bank Visa Signature® Credit Card
- Regular Purchase APR 13% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 20.75% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Visa
- 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: 13% to 18% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 13% to 18% 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: 20.75% 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
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1About 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.
OpenSky® Secured Visa®
No Credit Check to Apply
- Regular Purchase APR 17.39% variable based on the Prime Rate
- Cash Advance APR 17.39% variable based on the Prime Rate
- Annual Fee $35
- Credit Needed Poor , No Credit Required
- Processing Network Visa
- Build credit with on-time payments
- Reports to the three leading credit bureaus
- Credit limist between $200 and $3,000
- Visa benefits and protections
- Regular Purchase APR: 17.39% variable based on the Prime Rate
- Cash Advance APR: 17.39% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $6 or 5% of the amount of each cash advance, whichever is greater.
- Annual Fee: $35
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $25
- Minimum Deposit Required: $200
FAQs About First Horizon Bank
Here are answers to common questions about First Horizon Bank:
What is the routing number for First Horizon Bank?
- First Horizon’s routing number is 084000026.
What is the customer service number for First Horizon?
- 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.
Does First Horizon have a mobile app?
- First Horizon has a mobile banking application that is available in both the Google Play Store and the Apple App Store.
