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Simmons Bank credit cards: Which one is best for you?
Simmons Bank offers two cards at this time.
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Compare Simmons Bank credit cards
Use our table to compare the two Simmons Bank credit cards in terms of rewards, annual fee and interest rates. You can view the details of each card or read the full ubiased review.
Simmons Bank offers just two cards, but both bring low interest rates. Your APR will be 8.25% or 10.25% variable depending on the card you choose, and you’ll also find introductory rates on balance transfers.
Best Simmons Bank credit cards
We examined Simmons Bank’s two credit cards and classified them as best for specific categories — low APR and low APR with rewards. The Simmons Visa® offers the lowest APR; however, the Simmons Rewards Visa Signature® offers the additional benefit of rewards.
Quick look at best Simmons Bank cards
- Simmons Visa®: Best for low APR.
- Simmons Rewards Visa Signature®: Best for low APR with rewards.
Best for low APR
Simmons Visa®
740
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
n/a
Rewards
Rewards
n/a
Welcome offer
Welcome offer
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.
- Annual fee: None.
- Low ongoing APR. Your purchase and balance transfer APR will be 8.25% variable. That is substantially lower than the average credit card APR of around 16% variable. You dont need to worry about a range of possible APRs, either.
- Intro APR. You will get a 0% intro APR the first 12 months of account opening on balance transfers you complete within the first 60 days, then 8.25% variable.
- No balance transfer fees after the intro APR period. After your intro APR expires, you won't pay balance transfer fees. This could make the card a good choice if you want to make a transfer and pay off the balance over a long period of time.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 8.25% variable |
| Balance transfer APR | 0% intro for the first 12 months (then 8.25% variable) |
| Welcome offer | N/A |
| Estimated welcome offer value | |
| Rewards | N/A |
Best for low APR with rewards
Simmons Rewards Visa Signature®
740
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
Up to
1.25x
Points
Points
n/a
Welcome offer
Welcome offer
The Simmons Rewards Visa Signature® is similar to the Simmons Rewards Visa Signature®, 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.
- Annual fee: None.
- Low ongoing APR. Your purchase and balance transfer APR will be 10.25% variable. It is not as low as the Simmons Rewards Visa Signature® interest rate, but it is still lower than the average credit card APR.
- Intro APR. Get a 0% intro APR for the first 12 months after account opening on balance transfers you complete within the first 60 days. After this intro rate expires, your APR will be 10.25% variable.
- No balance transfer fees after intro APR period. After your intro APR expires, you won't pay balance transfer fees. This may be another good reason to make a balance transfer.
- Rewards: 1.25x points on all purchases. This may be a little lower than you'd like. A 1.5% rewards rate is common among competitors.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 10.25% variable |
| Balance transfer APR | 0% intro for the first 12 months (then 10.25% variable) |
| Welcome offer | N/A |
| Estimated welcome offer value | |
| Rewards | 1.25x points on all purchases. |
How to apply for a Simmons Bank card
Follow these steps to apply for a Simmons Bank card:
- Visit the Simmons Bank website and navigate to the credit cards page.
- Click Apply online under the card you choose.
- 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.
- Review your details and submit your application.
Application requirements
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.
According to customer reports, Simmons Bank has fairly conservative approval requirements. This makes sense, as it offers low interest rates that typically only the most creditworthy applicants qualify for. Before applying for a card from the issuer, consider applying for very few cards the year prior and keeping your credit utilization low.
How many Simmons Bank cards can I have?
According to a Simmons Bank representative we spoke to, you can have both of the issuer’s cards. If you’d like, you can even apply for both on the same day — but consider doing so only with stellar credit.
Types of Simmons Bank cards
Simmons Bank offers two cards at this time, but some varying features can help you choose between them. Both cards fall into at least three major categories: no annual fee, low APR and balance transfer.
Standout benefits of Simmons Bank cards
- No balance transfer fees. Most providers charge balance transfer fees, which will make you think twice before moving balances. Simmons Bank won’t charge balance transfer fees, but this only applies after the 0% intro APR period expires.
- 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. The lowest APR offered by Simmons Bank is 8.25%. For comparison, the average APR offered by most other card providers is around 16%, which is twice as high.
- Rewards. One of the Simmons Bank’s two cards comes with 1.25x points on all purchases. This is lower than the 1.5x offered by other card issuers, but considering you get a much lower APR, it could be a decent trade-off.
Full list of Simmons Bank credit cards
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.
Frequently asked questions
How does Simmons Bank keep my credit card information secure?
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.
How can I contact Simmons Bank?
You can reach Simmons Bank by phone at: 1-866-246-2400. You can also email them at support@simmonsbank.com.
Is it common to find zero balance transfer fees?
No. Providers will typically charge balance transfer fees, even if they offer intro APRs.
Can Simmons Bank change my APRs?
All providers are allowed to change their customer’s APRs. However, per the Credit CARD Act of 2009, a bank usually must notify you 45 days in advance before raising your rates.
Where is Simmons Bank located?
Simmons Bank has been headquartered in Pine Bluff, Arkansas since 1903.
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