How to Earn Points and Miles for Free Travel
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Our take
The First Tennessee Platinum Premier® Visa® credit card is a rare balance transfer offer on the market since it has both a 0% APR and no fee for balance transfers. It also offers a cash rewards program, but, if you are planning to carry balance, avoid using the same card for making purchases and transferring balances - it may be costly.
Details
- No annual fee.
- Credit lines starting at $5,000.
- Earn up to 10% cash back on your purchases.
- Access to First Tennessee Cash Rewards®.
- 0% Intro APR for the first 12 months, after that variable APRs currently 15.75% - 20.75% on purchases and balance transfers.
- Can be linked to checking for overdraft protection.
- Compatible with Apple Pay® for convenient purchases.
Pros
No Annual Fee
Cash back rewards
0% Intro APR for the first 12 months
Cons
No signup bonus
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Rewards
Other
10% cashback
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
12 months
Balance transfer regular apr
15.75-20.75%
variable
Balance transfer fee
4%
min $10
Rates and fees
Purchase regular apr
15.75-20.75%
variable
Cash advance apr
21.00%
variable
Regular annual fee
$0
Cash advance fee
4%
min $10
Foreign transaction fee
3%
Late payment fee
up to
$35
Return payment fee
up to
$35
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