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First Tennessee Visa Signature ®

With the First Tennessee Visa Signature® card, 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 for 12 months, then adjusts to variable APRs, currently 13.50% – 18.50% for purchases and balance transfers. Also, there's no annual fee!  See Terms and Conditions.

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Product Features

  • Earn 15,000 bonus points when you spend $1,500 in the first 90 days**
  • Earn 2 points for every dollar spent in net purchases at restaurants and gas stations, and 1 point everywhere else!
  • Choose from a variety of redemption options, including:
    • Travel
    • Merchandise
    • Cash back***
    Redemption ExamplesPoint Levels
    Charitable Donation and Cash BackStarting at 5,000
    Airline DiscountsStarting at 25,000
    Premium Golf and Sporting EquipmentStarting at 66,000
    Premium Event Travel PackagesStarting 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
  • Compatible with Apple Pay™ for convenient purchases with an iPhone® 6

Account Benefits

  • Access to Visa Signature Concierge 24/7 personalized services
  • Comprehensive fraud protection from Visa
  • 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


Interest Rates

See Terms and Conditions

  • 0% Intro Rate for 12 months on purchases and balance transfers, adjusting to variable APRs, currently 13.50% – 18.50%*
  • Variable APR for cash advances, currently 21.00%*


See Terms and Conditions

  • Balance Transfer Fee: 4% of each new Balance Transfer but the fee will not be less than $10
  • Cash Advance Fee: 4% 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
  • Return Payment Fee: Up to $35

Other Resources

Apply Now

* Subject to credit approval. Geographic restrictions apply. Rates and fees are as of 12/16.

** To qualify for this offer, you must spend $1,500 in net purchases in the first 90 days from the account open date. Bonus points will be posted to the account by the fifth statement cycle. Bonus points cash equivalent is considered income and reported on 1099-MISC.

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

1 Cardholder must notify First Tennessee Bank promptly of any unauthorized use. Certain conditions and limitations may apply. 

2 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.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.


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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.