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The First Horizon Visa Signature Card (formerly First Tennessee Visa Signature Card) has an offer for 15,000 bonus points when you spend $1,500 in the first 90 days. According to First Horizon Bank, these points are worth $100 as cash back. Sure, you can find better bonuses out there. But for a card with no annual fee, it’s a decent offer. The Capital One® SavorOne® Cash Rewards Credit Card has a better welcome offer with no annual fee.
A no-frills credit card, the First Horizon Visa Signature card will reward you with unlimited 2x points at restaurants and gas stations. Purchases made anywhere else will get you unlimited 1x points.
*First Horizon Bank offers good bonuses for its checking accounts as well.
| Bonus Available | Get 15,000 bonus points when you spend $1,500 in purchases within the first 90 days from the account open date. |
| Bonus Value* | $100 |
| Travel Credit | No |
| Ongoing Rewards/Benefits | Unlimited 2 points for every $1 spent in net purchases at restaurants and gas stations. Unlimited 1 point for every $1 spent everywhere else. |
| Foreign Transaction Fees? | No |
| Airport Lounge Access | No |
| Annual Fee | $0 |
*Bonus value is an estimated value calculated by MoneysMyLife and not the card issuer. Read our card review for more details.
View our latest valuations here.
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PROS
- No annual fee
- Welcome bonus
- Unlimited rewards
- No foreign transaction fees
CONS
- Good-Excellent credit needed to qualify
CAPITAL ONE® SAVORONE® CASH REWARDS CREDIT CARD
The Capital One® SavorOne® Cash Rewards Credit Card has a $200 bonus when you spend $500 on purchases within 3 months of account opening. This card has no annual fee. The annual-fee version of this card is the Capital One® Savor® Cash Rewards Credit Card.
This SavorOne card earns unlimited 3% cash back on dining and entertainment spending. Grocery store spending earns 2% cash back. All other purchases earn 1% cash back. There are no rotating categories to worry about and the cash back won’t expire while the account is open.
First Horizon Visa Signature Card 15,000 Bonus Points Offer
Take advantage of the First Horizon Visa Signature card’s 15,000 bonus points offer. If you redeem for cash back, the bonus is worth $100 (more on that later).
*Compare all top card bonuses here.
To qualify, charge at least $1,500 to your card within the first 90 days from opening your account.
Here are some ideas on meeting the spending requirement:
What Are First Horizon Visa Signature Points Worth?
When you’re ready to redeem your points, you have several options:
| Redemption Option | Minimum To Redeem |
| Charitable donations & cash back | 5,000 points |
| All-inclusive getaways | 23,000 points |
| Airline discounts | 40,000 points |
| Premium golf & sporting equipment | 65,000 points |
| Premium event travel packages | 100,000 points |
There’s not much information from First Horizon Bank about the value of its reward points, other than 15,000 points will get you $100 in cash back.
Bottom Line
You might consider the First Horizon Visa Signature credit card if you spend quite a bit dining out and at gas stations. Especially if you already have a checking account with the issuer, and you want to keep all your banking needs under one provider.
But if you’re looking to earn more in the long run, you’ll want to consider other credit cards.
What’s The Competition?
Below are some of the top competitors to the First Horizon Visa Signature credit card you should consider.
CHASE FREEDOM UNLIMITED®
The Chase Freedom Unlimited® credit card has an offer for $200 bonus cash after you spend $500 on purchases in your first 3 months from account opening.
This card also earns 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
The Chase Freedom Unlimited® earns Ultimate Rewards points. Points can be pooled with those from other eligible Chase cards, such as the Chase Sapphire Preferred® Card, Chase Sapphire Reserve® and Ink Business Preferred® Credit Card. More on this here.
HILTON HONORS AMERICAN EXPRESS CARD
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Hilton Honors American Express Card has an offer for up to 130,000 Hilton Honors Bonus Points. Earn 80k points when you spend $1,000 on purchases within the first 3 months of account opening. Plus, earn 50k more points when you spend $5,000 in the first 6 months. Our valuation puts the 130k combined points at around $780 in value ($0.006 per point).
This Hilton credit card earns 7 Hilton Honors points per $1 spent directly with a hotel or resort within the Hilton Honors portfolio of brands. U.S. restaurants, U.S. supermarkets and U.S. gas station spending earns 5 Hilton Honors points per dollar. All other purchases will earn 3 Hilton Honors points per dollar.
Other features include no foreign transaction fees and free Hilton Honors Silver Status. This card has no annual fee. See Rates & Fees, Terms Apply.
CAPITAL ONE® VENTUREONE® REWARDS CREDIT CARD
The Capital One® VentureOne® Rewards Credit Card has an offer for 20,000 bonus miles after you spend $500 on purchases within 3 months. We value these 20k bonus miles at around $280.
This card has no annual fee. The annual fee version of this card is the Capital One® Venture® Rewards Credit Card, with better features.
The VentureOne Rewards card offers unlimited 1.25X miles on all purchases. You can redeem for statement credits for travel and gift cards. Another option is to transfer miles to airline partners. Read more on this here.
| OFFER LINK | OFFER | OUR REVIEW |
| Chase Business Complete Banking℠ | $300 Cash | Review |
| Chase Total Checking® | $225 Cash | Review |
| Chase Secure Banking℠ | $100 Cash | Review |
| TD Bank Beyond Checking | $300 Cash | Review |
| TD Bank Convenience Checking℠ | $150 Cash | Review |
| HSBC Premier Checking | $450 Cash | Review |
| Axos Business Checking | $100 Cash | Review |
| Aspiration Checking | $150/$200 Cash | Review |
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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.