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.

  • College Rewards Visa® Card

    College Rewards Visa<sup>®</sup> Card

    College Rewards Visa® Card

    • Our Rating:
    • Our Rating:
    • 3.80/5
    • Your Rating:
    Rate This Card

    Earn 1,000 bonus points with your first purchase.

    Why we like it
    • 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.
    • 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

    Regular APR

    Variable APR currently 11.99% to 20.99%.*

    Annual Fee

    No Annual Fee
    Why we like it
    • Earn 1,000 bonus points with your first purchase.
    • No Annual Fee.

    Regular APR

    Variable APR currently 11.99% to 20.99%.*

    Annual Fee

    No Annual Fee
    • 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.
    • 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
  • Visa® Business Bonus Rewards Card

    Visa<sup>®</sup> Business Bonus Rewards Card

    Visa® Business Bonus Rewards Card

    • Our Rating:
    • Our Rating:
    • 3.50/5
    • Your Rating:
    Rate This Card

    $25 cash back with your first purchase.3

    Why we like it
    • $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

    Intro APR

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

    Regular APR

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

    Annual Fee

    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.

    Intro APR

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

    Regular APR

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

    Annual Fee

    No Annual Fee
    • $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
  • Visa® Business Bonus Rewards PLUS Card

    Visa<sup>®</sup> Business Bonus Rewards PLUS Card

    Visa® Business Bonus Rewards PLUS Card

    • Our Rating:
    • Our Rating:
    • 3.50/5
    • Your Rating:
    Rate This Card

    $50 cash back with your first purchase.3

    Why we like it
    • $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

    Intro APR

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

    Regular APR

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

    Annual Fee

    $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.

    Intro APR

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

    Regular APR

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

    Annual Fee

    $50 Annual Fee
    • $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
  • Visa Signature® Bonus Rewards Card

    Visa Signature<sup>®</sup> Bonus Rewards Card

    Visa Signature® Bonus Rewards Card

    • Our Rating:
    • Our Rating:
    • 3.50/5
    • Your Rating:
    Rate This Card

    $25 cash back with your first purchase.3

    Why we like it
    • $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
    • 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

    Intro APR

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

    Regular APR

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

    Annual Fee

    No Annual Fee
    Why we like it
    • $25 cash back with your first purchase.3.
    • No Annual Fee.

    Intro APR

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

    Regular APR

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

    Annual Fee

    No Annual Fee
    • $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
    • 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
  • Visa Signature® Bonus Rewards PLUS Card

    Visa Signature<sup>®</sup> Bonus Rewards PLUS Card

    Visa Signature® Bonus Rewards PLUS Card

    • Our Rating:
    • Our Rating:
    • 3.50/5
    • Your Rating:
    Rate This Card

    $50 cash back with your first purchase.3

    Why we like it
    • $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

    Intro APR

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

    Regular APR

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

    Annual Fee

    $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.

    Intro APR

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

    Regular APR

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

    Annual Fee

    $50 Annual Fee
    • $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
  • Visa® Business Card

    Visa<sup>®</sup> Business Card

    Visa® Business Card

    • Our Rating:
    • Our Rating:
    • 3.40/5
    • Your Rating:
    Rate This Card

    Enjoy a longer intro rate.

    Why we like it
    • 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

    Intro APR

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

    Regular APR

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

    Annual Fee

    No Annual Fee
    Why we like it
    • Enjoy a longer intro rate.
    • No Annual Fee.

    Intro APR

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

    Regular APR

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

    Annual Fee

    No Annual Fee
    • 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
  • Visa® Platinum Card

    Visa<sup>®</sup> Platinum Card

    Visa® Platinum Card

    • Our Rating:
    • Our Rating:
    • 3.40/5
    • Your Rating:
    Rate This Card

    Enjoy a longer intro rate.

    Why we like it
    • 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

    Intro APR

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

    Regular APR

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

    Annual Fee

    No Annual Fee
    Why we like it
    • Enjoy a longer intro rate.
    • No Annual Fee.
    We least like
    • No rewards program.

    Intro APR

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

    Regular APR

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

    Annual Fee

    No Annual Fee
    • 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
  • Secured Visa® Card

    Secured Visa<sup>®</sup> Card

    Secured Visa® Card

    • Our Rating:
    • Our Rating:
    • 3.20/5
    • Your Rating:
    Rate This Card

    Receive up to a $5,000 credit limit.

    Why we like it
    • 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

    Regular APR

    Variable APR currently 20.99%.

    Annual Fee

    $35 Annual Fee

    Credit Required

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

    Regular APR

    Variable APR currently 20.99%.

    Annual Fee

    $35 Annual Fee

    Credit Required

    Bad
    • 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