Bank · FDIC insured
First Horizon Bank Credit Card Rates
First Horizon Bank credit card rates start at 16.50% APR. Rates checked October 15, 2026.
How First Horizon Bank’s credit card rates compare
Compared with banks and credit unions near Nashville, TN, where First Horizon Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
First Horizon Bank
– –
- Up to
- —
No ongoing APR published
Lowest rate
Heritage South
8.90%APR
- Up to
- 18.00% APR
2nd-lowest rate
Outreach FCU
8.90%APR
- Up to
- —
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum Premier Visa
Rates and fees are as of 12/11/25. Variable APR based on Prime Rate (Prime was 6.75% as of 12/11/25; margin 10.50% to 15.50% for purchases/balance transfers, 17.50% for cash advances). Introductory rate does not apply if requesting to upgrade an existing account. Geographic restrictions apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR for the first 12 months after account opening on purchases. |
| Ongoing | 17.25%–21.00% | None | Variable regular APR after intro period on purchases based on creditworthiness. Variable rate tied to Prime (Prime 6.75% + margin 10.50% to 15.50%). |
| Ongoing | 21.00% | None | Variable APR for cash advances based on Prime Rate (Prime 6.75% + margin 17.50%). Cash advance fee 4% (min $10). |
Secured Visa
Rates and fees are as of 12/11/25. Secured by an upfront cash deposit in a First Horizon Bank savings account; deposit equals initial credit limit ($250 to $5,000 / $300 to $3,000). Variable APR tied to Prime (Prime 6.75% as of 12/11/25 + margin 15.90% for purchases, 17.50% for cash advances). No introductory rate or balance transfer option. Geographic restrictions apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 21.00% | None | Variable regular APR for purchases tied to Prime (Prime 6.75% + margin 15.90%). No balance transfer option. |
Visa Classic
Rates and fees are as of 12/11/25. Variable APR based on Prime Rate (Prime was 6.75% as of 12/11/25; margin 11.50% to 15.50% for purchases/balance transfers, 17.50% for cash advances). Geographic restrictions apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR for the first 12 months after account opening on purchases. |
| Ongoing | 18.25%–21.00% | None | Variable regular APR after intro period on purchases based on creditworthiness. Variable rate tied to Prime (Prime 6.75% + margin 11.50% to 15.50%). |
| Ongoing | 21.00% | None | Variable APR for cash advances based on Prime Rate (Prime 6.75% + margin 17.50%). Cash advance fee 4% (min $10). |
Visa Signature
Rates and fees are as of 12/11/25. Variable APR based on Prime Rate (Prime was 6.75% as of 12/11/25; margin 9.75% to 14.75% for purchases/balance transfers, 17.75% for cash advances). Introductory rate does not apply when converting/upgrading an existing account. Geographic restrictions apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 0.00% | None | Introductory APR for the first 12 months after account opening on purchases. |
| Ongoing | 16.50%–21.00% | None | Variable regular APR after intro period on purchases based on creditworthiness. Variable rate tied to Prime (Prime 6.75% + margin 9.75% to 14.75%). |
| Ongoing | 21.00% | None | Variable APR for cash advances based on Prime Rate (Prime 6.75% + margin 17.75%). Cash advance fee 4% (min $10). |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.