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Updated
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.
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 |
Rewards | N/A |
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 |
Rewards | 1.25x points on all purchases. |
At the time of this writing, Simmons Bank offered two credit cards. We examined these 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.
Simmons Bank added balance transfer intro APRs to both cards, making these products even better this year.
Follow these steps 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.
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.
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.
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. You’ll find these features:
Pick the Simmons Visa® if… | Pick the Simmons Rewards Visa Signature® if… |
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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.
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.
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.
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.
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.
Take advantage of miles, points and perks with a card that best fits your lifestyle.
Here are our top balance transfer picks for 2021.
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