First Horizon Visa Signature Rewards Point Redemption Terms

Destination Examples Point Level
Signature Gift Cards Starting at 5,000
All-Inclusive Getaways Starting at 25,000
Premium Event Travel Packages Starting at 25,000
Air Travel Starting at 25,000
Car Rental Starting at 5,000
Hotel Rental Starting at 5,000



  1. Earn 2 points at service stations, automated fuel dispensers and restaurants and 1 point at other merchants, for every dollar in net purchases.
  2. There is No point cap.
  3. Points earned expire 3 years from the end of the calendar year in which they were earned.
  4. Visa Signature points are non-transferable to any other frequent flyer program.
  5. Cash Advances, convenience checks, balance transfers, and debit transactions initiated by us do not qualify for points.


  1. Account must be open, active, and not in default status according to the terms of your Cardholder Agreement to redeem points.
  2. Redemptions for travel can be made up to 11 months in advance of travel dates.
  3. This agreement will only be honored if you do not cancel your Account within 30 days after receiving a card. The rates, fees and terms of this Agreement may change from time to time in accordance with applicable law and your Cardholder Agreement.
  4. We may add or delete any term to this Agreement. If required by law, we will give you advance written notice of the change(s) and a right to reject the change(s).


  1. There are no black-out dates.
  2. To receive the best ticket price available, most airlines request at least a 14 day advance purchase with a Saturday night stay.
  3. All tickets are subject to availability.
  4. Tickets and other travel services purchased through redemption are non-refundable.
  5. If the ticket value exceeds the point redemption level, you may pay the difference using your Visa Signature card or by redeeming additional travel points.


  1. Cardholders are responsible for all change fees and penalties associated with modification of travel redemptions. These charges will show on your statement as MT*BREAKAWAY [TYPE] where fees are charged for AIR, HOTEL, CAR OR EXPERIENTIAL TRAVEL bookings.
  2. You may incur redemption fees for certain redemption items. These fees are paid by you and are not refundable. These charges will show on your statement as MT*BREAKAWAY [TYPE] where fees are charged for AIR, HOTEL, CAR OR EXPERIENTIAL TRAVEL bookings.
  3. Points can be used to cover redemption fees.
  4. Cardholders are responsible for any ancillary charges assessed by airlines such as baggage fees, upgrades, and other services.

Visa Signature Guidelines may change at any time without prior notice in accordance with applicable law.