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Simmons Bank credit cards

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Enjoy APRs as low as 10.5% variable and no annual fee.

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 Intro APR for Balance Transfer Introductory Purchase APR
$0

N/A

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Offers multiple perks, including one of the lowest available APRs on the market.
$0

N/A

N/A

Earn 1.25 points per dollar spent on 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®

Simmons Visa®

Offers multiple perks, including one of the lowest available APRs on the market.

Promoted
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®

Simmons Rewards Visa Signature®

Earn 1.25 points per dollar spent on purchases.

Promoted
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.

Consider a low-APR card from another provider

Barclaycard Ring® Mastercard®

  • Enjoy a 0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable 14.24% APR will apply
  • Low 14.24% variable APR on purchases and cash advances
  • No annual fee
  • No foreign transaction fees
  • International Chip and PIN
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Compare top credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0 annual fee for the first year ($95 thereafter)
17.99% to 24.99% variable

N/A

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$450
17.99% to 24.99% variable

N/A

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$550
None (Charge Card)

N/A

Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
$0
14.24% variable
0% for the first 15 billing cycles (then 14.24% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
18.24%, 22.24% or 25.24% variable
0% for the first 12 billing cycles (then 18.24%, 22.24% or 25.24% variable)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0 annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable

N/A

30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0
17.99% to 26.99% variable

N/A

Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
$95
17.99% to 26.99% variable

N/A

Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$0
17.99% to 26.99% variable

N/A

Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
$0
15.24%, 19.24% or 25.24% variable
0% for the first 15 months (then 15.24%, 19.24% or 25.24% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
13.24%, 17.24% or 21.24% variable
0% for the first 18 months (then 13.24%, 17.24% or 21.24% variable)
A 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
$0
16.24% to 22.24% variable
1.99% for the first 6 monthly billing cycles (then 16.24% to 22.24% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0 annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable

N/A

75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months from account opening. Rates & Fees
$495
17.24% variable
0% for the first 15 billing cycles (then 17.24% variable)
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
$195
17.24% variable
0% for the first 15 billing cycles (then 17.24% variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
17.24% variable
0% for the first 15 billing cycles (then 17.24% variable)
Earn 1x points when redeemed for airfare through the Luxury rewards program.
$75 annual fee for the first year ($48 thereafter)
See terms*

N/A

The First Access Card is a true Visa® credit card that does not require perfect credit for approval.
$0 to $99
19.99% to 25.99% variable

N/A

Get 1% cash back rewards on eligible purchases.
Up to
19.99% to 25.99% variable

N/A

Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV.
$0 to $99
19.99% to 25.99% variable

N/A

Get 2x cash back rewards at the NASCAR.com Superstore.
$0 to $99
23.9% fixed

N/A

The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$48
9.99% fixed

N/A

This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
$35
19.14% variable

N/A

A secured Visa® credit card that helps you build your credit quickly.
$39
14.49% variable

N/A

No minimum credit score and no credit history required.
$49
10.49% variable

N/A

Build or rebuild your credit with this secured card.

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Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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