Currently, if you get your hands on a First Tennessee Platinum Premier Card, you will be able to reap 0% APR on all your balance transfers and purchase transactions for 12 months! You can get approved for this card with a credit line starting at $5,000. I mean, if you’re already a First Tennessee Bank customer and you’re looking for a low interest rate cash back rewards card, then this card does offer some solid low APR on both your purchases and balance transfers for quite a lengthy period.
Editor’s Note: if you’re a First Tennessee customer, you are able to apply for this card. Branches are located in Tennessee, Florida, Georgia, Mississippi, Kentucky, Virginia, North Carolina, Texas and South Carolina.
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| Chase Secure BankingSM | $100 Cash | Review |
Alternative Credit Card Bonuses:
- Barclaycard Ring Mastercard
- Chase Freedom UnlimitedSM Card
- Blue Cash Everyday® Card from American Express
First Tennessee Platinum Premier Card Summary:
- Apply Now
- Best Feature: 0% introductory APR on purchases and balance transfers for the first 12 billing cycles
- Annual Fee: None
- Expiration Date: None
- Additional Advice: Fees for cash advance is 3% of the cash advance amount or $10. Late payment fees and/or returned payment fees are $25 the first time of occurrence, and $35 for the second time, if either happens within the next six billing cycles.
First Tennessee Platinum Premier Card Features:
- No annual fee
- Credit lines starting at $5,000
- 0% introductory rate for the first 12 months
- Can be linked to checking for overdraft protection
- Access to First Tennessee Cash Rewards®
- Compatible with Apple Pay® for convenient purchases
First Tennessee Platinum Premier Fees:
- Balance Transfer Fee: 4% of each new Balance Transfer but the fee will not be less than $10 per transaction.**
- 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
- Foreign Currency Conversion Fee: 3% of each transaction converted to U.S. dollars
- Return Payment Fee: Up to $35
Conclusion:
The First Tennessee Platinum Premier Card is essentially a no-frills, straightforward low APR card with a lengthy period of 12 months for both purchase transactions and balance transfers. I reiterate that this card may only be worth it if you’re already a First Tennessee Bank relationship customer and you live near a local First Tennessee branch. Other than that, there’s better 0% APR cards out there with lengthier no intro rates such as the Barclaycard Ring Mastercard. There is no annual fee so if you’re interested, sign up today. Otherwise, find out which card is right for you by checking out our complete list of Credit Card Promotions today!
