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Visa Signature®

With the Visa Signature® card from First Tennessee, you get something back every time you make a purchase. From signature travel destinations to signature experiences, it’s the card that offers you a world of possibilities.

Our Visa Signature card offers a low 0% APR intro rate, then adjusts to variable APRs, currently 5.50% – 13.50% for purchases and balance transfers, and 15% for cash advances. See Terms and Conditions.

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Product Features

  • Earn one point for every dollar in net purchases on your card
  • Choose from a variety of redemption options, including:
    • Travel
    • Merchandise
    • Cash back**
    Redemption Examples Point Levels
    Charitable Donation and Cash Back Starting at 5,000
    Annual Fee Rebate Starting at 10,000
    Airline Discounts Starting at 25,000
    Premium Golf and Sporting Equipment Starting at 66,000
    Premium Event Travel Packages Starting at 100,000
  • Redemptions starting at 5,000 points
  • No Blackout dates – travel anytime, anywhere
  • It's easy to redeem points online at FTBSignatureRewards.com or by phone at 888-216-2896
  • View Visa Signature® Guidelines for redemption information

Account Benefits

  • Comprehensive fraud protection from Visa
  • No balance transfer fees***
  • Free year-end summary statement
  • Emergency card replacement
  • Warranty Manager Service
  • $250,000 travel accident insurance
  • Auto rental insurance
  • Travel & Emergency Assistance
  • Worldwide acceptance
  • Toll-free customer service
  • Can link to checking for overdraft protection
  • Access to Visa Signature Concierge 24/7 personalized services


Interest Rates

See Terms and Conditions

  • 0% Intro Rate for 6 months on purchases, balance transfers, and cash advances
  • After intro period, variable annual percentage rates for purchases and balance transfers is currently 5.50% - 13.50%, and 15.00% for cash advances


See Terms and Conditions

  • Annual Fee: $75 (waived first year)
  • 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
  • Balance Transfer Fee: $0
  • Return Payment Fee: Up to $35

Other Resources

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*Subject to credit approval. Geographic restrictions apply.

**Cash back will be in the form of a statement credit.

***Balance Transfers under this Agreement must be requested by you, via our customer service center or website, to transfer all or part of your balance with another creditor.

†Go to visa.com/signature or call 800-953-7392; outside the U.S., call collect 630-350-4551.


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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.