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Visa Signature®

With the Visa Signature® card from First Tennessee, you get something back every time you use it. 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 a variable 5.50% – 13.50% APR for purchases and balance transfers, and a variable rate of 15% for cash advances.

Product Features

  • Earn one point for every dollar in net purchases on your card
  • Choose from a variety of redemption options, including:
    • Travel and travel experiences
    • Entertainment
    • Cash back rewards
    • Charity donations
    • Shopping
  • No Blackout dates – travel anytime, anywhere
  • Link to checking for overdraft protection
  • Access to Visa Signature Concierge 24/7 personalized services**

Account Benefits

  • It's easy to redeem points online at FTBSignatureRewards.com or by phone at 888-216-2896
  • No balance transfer fees
  • No foreign conversion fees
  • $250,000 travel accident insurance
  • Auto rental insurance
  • Emergency card replacement
  • Warranty Manager Service
  • Free year-end summary statement
  • Travel & Emergency Assistance
  • Worldwide acceptance
  • 24-hour account access through ATMs
  • View Visa Signature® Guidelines for redemption information

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

*Subject to credit approval. Geographic restrictions apply.
**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.