Simmons Bank credit cards – November 2018

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

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

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What do you want to know?

• 
  Best Simmons Bank cards
• 
  Rewards program
• 
  Features and benefits
• 
  Is it secure?

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

Best for low APR: Simmons Visa®

Simmons Visa®

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

More Info

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.

• The perks

  • Annual fee: None.

  • Low APR.

    Your purchase and balance transfer APR will be 10.25% variable. That’s substantially lower than the average credit card APR of around 16% variable. You don’t need to worry about a range of possible APRs, either.

  • No balance transfers fees.

    You’ll never pay any fees on balance transfers, period. 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.

• What to watch out for

  • No intro balance transfer APR.

    You won’t pay transfer fees, but your balance transfers will start accruing interest immediately.

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

Simmons Rewards Visa Signature®

Excellent Credit Required - Applicants that do not have excellent credit will not be approved.

More Info

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.

• The perks

  • Annual fee: None.

  • Low APR.

    Your purchase and balance transfer APR will be 12.25% variable. It’s not as low as the Simmons Visa®’s interest rate, but it’s still lower than the average credit card APR.

  • No balance transfer fees.

    Aside from the low APR, this may be another good reason to make a balance transfer.

  • Rewards: 1.25x points on all purchases.

    Though it may be a little lower than you’d like, a 1.5% rewards rate is common among competitors.

• What to watch out for

  • No balance transfer intro APR.

    Your transfers will start accruing interest immediately.

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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Frequently asked questions

• 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.