Bank of Tennessee, a locally owned and operated company, provides customers with superior service and convenience and prides themselves on being a trusted friend in the communities they serve. Bank of Tennessee offers a wide range of personal and business banking solutions for consumers, small businesses and commercial customers.

Below is a selection of Bank of Tennessee credit cards.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least liket_cc_credit_requiredRelated links
College Rewards Visa<sup>®</sup> Card

College Rewards Visa® Card

College Rewards Visa<sup>®</sup> Card
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  • 3.80/5
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  • Earn 1,000 bonus points with your first purchase.
  • Earn 1 reward point for every $1 in net purchases. Plus, you have five years to redeem points for rewards.
  • Redeem your points for a wide variety of valuable reward options including, cash back, merchandise, travel and gift cards from your favorite retailers and restaurants.
  • Earn 1,000 bonus points with your first purchase.
  • No Annual Fee
  • Cardmember Benefits The College Rewards card comes with many valuable benefits including access to the interactive credit education website: Smart Credit Matters. See Consumer Card Features and Benefits for a complete listing of all card benefits.
  • The creditor and issuer of this card is Elan Financial Services

N/A

Variable APR currently 11.99% to 20.99%.*

No Annual Fee

Why we like it
  • Earn 1,000 bonus points with your first purchase.
  • No Annual Fee.
Visa<sup>®</sup> Business Bonus Rewards Card

Visa® Business Bonus Rewards Card

Visa<sup>®</sup> Business Bonus Rewards Card
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  • 3.50/5
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  • $25 cash back with your first purchase.3
  • Earn 1 point for every net $1 you spend.
  • Get a 25% bonus on all points earned every month, automatically.
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.
  • $25 cash back with your first purchase.
  • Redemption starts at 2,500 points for $25 cash back, or redeem 25,000 points for round-trip airfare up to $325.
  • Business Card Benefits
  • No Annual Fee
  • The creditor and issuer of this card is Elan Financial Services

Introductory 0% APR for the first 6 billing cycles on purchases* and balance transfers.

After that, a variable APR, currently 9.99% to 20.99%.*

No Annual Fee

Why we like it
  • $25 cash back with your first purchase.3.
  • Get a 25% bonus on all points earned every month, automatically.
Visa<sup>®</sup> Business Bonus Rewards PLUS Card

Visa® Business Bonus Rewards PLUS Card

Visa<sup>®</sup> Business Bonus Rewards PLUS Card
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  • Our Rating:
  • 3.50/5
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  • $50 cash back with your first purchase.3
  • Earn 1 point for every net $1 you spend.
  • Get a 50% bonus on all points earned every month, automatically.
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.
  • $50 cash back with your first purchase.
  • Redemption starts at 2,500 points for $25 cash back, or redeem 25,000 points for round-trip airfare up to $325.
  • Cardmember Benefits
  • $50 Annual Fee
  • The creditor and issuer of this card is Elan Financial Services

Introductory 0% APR for the first 6 billing cycles on purchases* and balance transfers.

After that, a variable APR, currently 9.99% to 20.99%.*

$50 Annual Fee

Why we like it
  • $50 cash back with your first purchase.3.
  • Get a 50% bonus on all points earned every month, automatically.
We least like
  • $50 Annual Fee.
Visa Signature<sup>®</sup> Bonus Rewards Card

Visa Signature® Bonus Rewards Card

Visa Signature<sup>®</sup> Bonus Rewards Card
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  • Our Rating:
  • 3.50/5
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  • $25 cash back with your first purchase.3
  • Earn 1 point for every net $1 you spend.
  • Get a 25% bonus on all points earned every month, automatically.
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards2
  • $25 cash back with your first purchase.3
  • Redemption starts at 2,500 points for $25 cash back, or redeem 25,000 points for round-trip airfare up to $325.
  • No Annual Fee
  • The creditor and issuer of this card is Elan Financial Services

Introductory 0.00% APR for the first 6 billing cycles on purchases* and balance transfers.

After that, a variable APR, currently 9.99% to 20.99%.*

No Annual Fee

Why we like it
  • $25 cash back with your first purchase.3.
  • No Annual Fee.
Visa Signature<sup>®</sup> Bonus Rewards PLUS Card

Visa Signature® Bonus Rewards PLUS Card

Visa Signature<sup>®</sup> Bonus Rewards PLUS Card
  • Our Rating:
  • Our Rating:
  • 3.50/5
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  • $50 cash back with your first purchase.3
  • Earn 1 point for every net $1 you spend.
  • Get a 50% bonus on all points earned every month, automatically. 
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.
  • $50 cash back with your first purchase.
  • Redemption starts at 2,500 points for $25 cash back, or redeem 25,000 points for round-trip airfare up to $325.
  • $50 Annual Fee
  • The creditor and issuer of this card is Elan Financial Services

Introductory 0.00% APR for the first 6 billing cycles on purchases* and balance transfers.

After that, a variable APR, currently 9.99% to 20.99%.*

$50 Annual Fee

Why we like it
  • $50 cash back with your first purchase.3.
  • Get a 50% bonus on all points earned every month, automatically.
We least like
  • $50 Annual Fee.
Visa<sup>®</sup> Business Card

Visa® Business Card

Visa<sup>®</sup> Business Card
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  • 3.40/5
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  • Business Cardmember Benefits
  • Special Offers 0% intro APR for the first 12 billing cycles on purchases* and balance transfers
  • After that, a variable APR, currently 9.99% to 20.99%.*
  • No Annual Fee
  • The creditor and issuer of this card is Elan Financial Services

Special Offers 0% intro APR for the first 12 billing cycles on purchases* and balance transfers

After that, a variable APR, currently  9.99% to 20.99%.*

No Annual Fee

Why we like it
  • Enjoy a longer intro rate.
  • No Annual Fee.
Visa<sup>®</sup> Platinum Card

Visa® Platinum Card

Visa<sup>®</sup> Platinum Card
  • Our Rating:
  • Our Rating:
  • 3.40/5
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  • Special Offers Introductory 0.00% APR for the first 12 billing cycles on purchases. * and balance transfers.
  • After that, a variable APR, currently 9.99% to 20.99%.*
  • No Annual Fee
  • Visa Credit cards also come with a variety of important features, including: extended warranty coverage, auto rental collision damage waiver coverage and zero fraud liability.  See Consumer Card Features and Benefits for a complete listing of all card benefits.
  • The creditor and issuer of this card is Elan Financial Services

Introductory 0.00% APR for the first 12 billing cycles on purchases* and balance transfers.

After that, a variable APR, currently 9.99% to 20.99%.*

No Annual Fee

Why we like it
  • Enjoy a longer intro rate.
  • No Annual Fee.
We least like
  • No rewards program.
Secured Visa<sup>®</sup> Card

Secured Visa® Card

Secured Visa<sup>®</sup> Card
  • Our Rating:
  • Our Rating:
  • 3.20/5
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  • Simply open a secured savings account that is pledged as security for your credit card account.
  • Merchants and retailers won't know your card is secured when you use it to make purchases.
  • Receive up to a $5,000 credit limit.
  • $35 Annual Fee
  • The creditor and issuer of this card is Elan Financial Services

Variable APR currently 20.99%.

$35 Annual Fee

Why we like it
  • Receive up to a $5,000 credit limit.
We least like
  • No low intro APR offered.
  • $35 Annual Fee.
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