With competitive interest rates, no annual fees and credit lines starting at $5,000, it's easy for you to enjoy the benefits of the Platinum Premier Visa card.*
You'll also enjoy access to First Tennessee Cash Rewards. With this great program, you can get cash back when you shop at specific retailers using your Platinum Premier Visa card, First Check debit card, or other qualifying credit card. Even better, there are no points to track or keep up with - your cash rewards are credited directly to your account each month.
Plus, you can feel more confident about all your purchases with our Protection Against Unauthorized Charges, offering you 24-hour fraud detection and contact information. Get verified by Visa for an extra layer of online security.
- No annual fee
- Credit lines starting at $5,000
- Fixed 3.9% Introductory Rate for the first 6 months, after that variable rates of 6.50% to 14.50% on purchases and balance transfers and 15.00% for cash advances
- Low minimum payments
- Interest-free grace period for at least 24 days for repayment of purchase balance if entire statement balance is paid in full each month (no grace period for cash advances)
- Link to checking for overdraft protection
- Auto rental insurance
- Free year-end summary statement
- Warranty Manager Service
- Emergency card replacement
- Travel & Emergency Assistance Service
- Worldwide acceptance
- Toll-free Customer Assistance at 800-234-2840
- 24-hour account access through ATMs
- Fixed 3.9%* Introductory Rate for the first six months on Purchases, Balance Transfers, and Cash Advances
- After that, your APR on purchases and balance transfers will be a variable rate of 6.50% to 14.50% based on credit worthiness
- Your APR on cash advances will be a variable rate, which is currently 15.00%
- Minimum Interest Charge: If you are charged interest, the charge will be no less than $.50
- Cash Advance Fee: 3% 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
- Foreign Currency Conversion Fee: 3% of each transaction converted to U.S. dollars
- Balance Transfer Fee: **$0
- Return Payment Fee: Up to $29
*Subject to credit approval. Geographic restrictions apply.