• The convenient card with worldwide acceptance

First Tennessee Visa® Classic

A very low Introductory Rate along with Visa Classic benefits makes this a smart choice for consolidating your financial life with First Tennessee.*

Plus, with your Visa Classic credit card you're automatically enrolled in First Tennessee Cash Rewards. With this great program you can get cash back when you shop at specific retailers using your Visa Classic, 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.

Your security is very important to us. Please see our Protection Against Unauthorized Charges for information on our 24-hour fraud detection system and contact information. Get verified by Visa for an extra layer of online security.

Product Features

See Terms and Conditions

  • No annual fee
  • 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 of 2.5% of total balance
  • 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

Product Benefits

  • Worldwide acceptance
  • Cash advance services
  • Toll-free customer assistance at 800-234-2840
  • 24-hour account access through the use of ATMs

Interest Rates

See Terms and Conditions

  • Fixed 3.9% Introductory Rate for the first 6 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


See Terms and Conditions

  • 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

Other Resources

*Subject to credit approval. Geographic restrictions apply.


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Federal Deposit Insurance Corporation   Financial products and services are provided by First Tennessee Bank National Association. Member FDIC. Equal Opportunity Lender.
All loans subject to credit approval.