Simmons Bank credit cards |

Simmons Bank credit cards

Enjoy APRs as low as 10.25% variable and no annual fee.

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Simmons Bank

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Simmons Bank has two cards offering among the lowest APRs on the market and no fees for balance transfers.

Compare Simmons Bank credit cards

Name Product Annual fee Balance transfer APR Purchase APR Filter values
0% intro for the first 12 months (then 10.25% variable)
10.25% variable
Enjoy one of the lowest available APRs on the market.
0% intro for the first 12 months (then 12% variable)
12% variable
Earn 1.25x points on all purchases.

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Best Simmons Bank credit cards

Simmons Bank cards have a wide variety of primary benefits. Even though its selection is limited, you may be able to find a credit card that fits your financial needs.

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Best for low APR: Simmons Visa®

The Simmons Visa®‘s best feature is its low purchase and balance transfer APR. It’s an especially good benefit in combination with the low fee on balance transfers.

Best for low APR with rewards: Simmons Rewards Visa Signature®

The Simmons Rewards Visa Signature® is similar to the Simmons Visa®, except it offers rewards on every purchase. It has no annual fee, but you’ll pay a slightly higher APR on purchases and balance transfers.

Simmons Bank rewards rogram

If you have the Simmons Rewards Visa Signature®, you’ll earn flat-rate rewards on every purchase. Redeem points for travel, merchandise or gift cards.

How can I redeem points?

To redeem points, visit the Simmons Bank Rewards website and log in to your account. If you don’t have an account, register for one with your credit card number.

How much are points worth?

Points are typically worth one cent each, which is the industry standard. For example, a $25 Amazon gift card costs 2,500 points. Points may be worth less than that rate, especially if you redeem them for merchandise.

Typical card features and benefits of a Simmons Bank card

  • No annual fee. Neither Simmons Bank card has annual fees.
  • No balance transfer fees. Most providers charge balance transfer fees, which will make you think twice before moving balances. Simmons Bank provides this extra incentive to transfer your balances.
  • Low APR. Credit card APRs seem to inch upward all the time. It’s nice to find cards with reasonable APRs in a sea of steep interest rates.

How to apply for a Simmons Bank card

To apply for a Simmons Bank card, you must be at least 18 years old. If you’re under 21, you may need to meet additional requirements.

Follow these steps to apply for a Simmons Bank card:

  1. Visit the Simmons Bank website and navigate to the web page of the card you want to apply for.
  2. Click Apply online or Apply in person. If you click the former option, you’ll access an application form. If you click the latter option, you can search for a Simmons Bank location.
  3. If you’re applying online, accept Simmons Bank’s terms and conditions. Then complete the application form with details like your contact information, Social Security number, address, drivers license number, employment information and financial information.

How does Simmons Bank keep my credit card information secure?

Like other providers, Simmons Bank implements security measures to comply with federal law. If it shares your information with third parties, you may opt out.

The bank uses Transport Layer Security (TSL) to verify its web identity and protect user information. It encrypts data transmitted over its website so the information is unreadable by unauthorized third parties.

Bottom line

Look into a Simmons Bank card if you want a low purchase and balance transfer APR. Most providers impose higher interest rates, so you’re likely to find this a refreshing contrast. As a bonus, you won’t pay balance transfer fees — ever.

If a Simmons Bank card isn’t what you’re looking for, check out other low-APR products. You might also like a different balance transfer card.

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Name Product Filter values Rewards Purchase APR Annual fee
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0% intro for the first 18 months (then 12.99% to 20.99% variable)
An 18 months 0% intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
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0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.74% to 25.74% variable)
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
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