Business Credit Card in First Horizon National Corporation
Business Credit Card — First Horizon National Corporation
The First Horizon Business Credit Card is designed to support the financial needs of small and mid-sized enterprises by combining purchasing power, flexible account management, and security features tailored for modern business operations. Engineered to simplify expense control, reward productive spending, and integrate smoothly with accounting workflows, this card product helps businesses operate efficiently while preserving company cash flow and improving vendor relationships.
Overview
This business credit card provides a revolving line of credit that can be used for everyday operating expenses, travel, supplies, and vendor payments. It is issued with the needs of commercial clients in mind, offering customizable spending limits for employee cards, real-time transaction monitoring, and a suite of tools for reconciliations and reporting. The card supports contactless payments and digital wallet compatibility to facilitate fast, secure purchases in-store and online.
Key Benefits
- Flexible Purchasing Power: Access a revolving credit line to manage cash flow, make bulk purchases, or bridge short-term funding gaps without disrupting business operations.
- Employee Cards with Controls: Issue additional cards to employees, contractors, or departments with individualized spending limits and merchant category restrictions to enforce policy compliance.
- Customizable Rewards: Earn rewards on business-essential categories. Rewards can be redeemed for statement credits, travel, or business services to maximize the return on everyday spending.
- Streamlined Expense Management: Integrate card activity with accounting systems and export transaction data to accelerate month-end close and reduce reconciliation time.
- Advanced Security: Benefit from chip technology, fraud monitoring, zero-liability protection for unauthorized transactions, and controls for real-time card freezes.
Rewards & Spending Incentives
Designed to reward common business expenditures, the card typically features bonus rewards in categories such as office supplies, telecommunication services, travel and dining, and fuel. Rewards accumulation can translate into tangible savings through statement credits, travel credits, or business-related purchases. The rewards structure is intended to align with recurring business spend patterns so that companies can earn meaningful returns on routine expenses.
Control & Account Management
Robust administrative tools enable business owners and finance managers to maintain tight control over company spending. Key management functionalities include:
- Real-time transaction alerts and daily spending summaries to monitor cash flow.
- Ability to set per-card spending limits, merchant restrictions, and transaction-type controls.
- Virtual card numbers for secure online purchases and one-time payments to protect the primary account number.
- Mobile and online account portals for quick access to statements, receipts, and account settings.
Security & Protection
Security is a priority for business payments. The card is equipped with modern protections to safeguard company funds and mitigate risk:
- EMV chip technology and contactless payment capability for enhanced point-of-sale security.
- 24/7 fraud monitoring and alerts for suspicious activity, with rapid card-blocking options.
- Dispute resolution and chargeback support to address unauthorized or disputed transactions.
- Optional enhanced protections such as travel accident coverage, purchase protection, and extended warranty offerings for qualifying purchases.
Reporting & Integration
Accurate records and seamless integration reduce administrative burden and provide clearer insights into company spending. The card supports:
- Detailed transaction data exports in multiple formats compatible with common accounting software.
- Automated expense categorization and merchant tagging to speed reconciliation.
- Custom reporting tools to analyze spend by department, vendor, or merchant category for budgeting and forecasting.
- AP and procurement features that streamline vendor payments and support electronic invoicing workflows.
Service & Support
Dedicated account management resources help businesses optimize their card program. Services often include onboarding assistance, ongoing program reviews, and guidance for implementing controls and best practices. Customer support teams are available to assist with account inquiries, disputed charges, and operational issues to ensure minimal disruption to daily business activities.
Eligibility & Application
Eligibility typically depends on the business’s financial profile, creditworthiness, and account history. The application process is structured to be straightforward and business-focused, requesting essential information about the company, its representatives, and financial statements where applicable. Approval may include tailored credit limits and terms based on the assessed needs and risk profile of the business.
Ideal For
- Small businesses seeking better control of employee spending and vendor payments.
- Mid-sized companies looking to centralize procurement and earn rewards on routine expenses.
- Organizations aiming to reduce reconciliation time and improve financial visibility.
- Businesses that travel frequently and require flexible payment solutions with added protections.
Why Choose the First Horizon Business Credit Card
The card combines a practical mix of purchasing power, expense controls, rewards, and security—backed by customer-focused service. It aims to empower business owners and finance teams with tools that reduce administrative overhead, protect company assets, and provide financial flexibility. Whether the priority is streamlining spend management, earning rewards on regular expenditures, or equipping teams with secure payment tools, this card is positioned to support a broad range of business objectives while adapting to evolving needs.
Important Considerations
Terms and conditions, including specific rates, fees, rewards details, and eligibility requirements, are subject to change and vary by applicant. Businesses should review all applicable disclosures and consult with account representatives to select the card features and controls that best match their operational requirements and risk tolerance. Responsible use and timely payments help maintain access to credit and protect the business’s financial standing.
Experience a solution built to support business growth, improve operational efficiency, and deliver the protections that today’s companies require—designed with the practical needs of enterprises in mind.
Address Bank: Memphis, Tennessee, U.S.
Bank: First Horizon National Corporation
Headquarters: Memphis
Products: Cards
Type: Business Credit Card
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