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Simmons Bank credit cards – November 2018

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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.

Compare Simmons Bank credit cards

Name Product Annual Fee APR (Annual Percentage Rate) for Purchases
$0
10.25% variable
Offers multiple perks, including one of the lowest available APRs on the market.
$0
12.25% variable
Excellent Credit Required - Applicants that do not have excellent credit will not be approved.

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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®

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

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.

Compare top credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$550
None (Charge Card)
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
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
$0
13.99% variable
0% for the first 15 billing cycles (then 13.99% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
17.99%, 21.99% or 24.99% variable
0% for the first 12 months (then 17.99%, 21.99% or 24.99% variable)
Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
12.99%, 16.99% or 20.99% variable
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
An 18-month 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
11.99% to 21.99% variable
1.99% for the first 6 monthly billing cycles (then 11.99% to 21.99% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0
17.74% to 26.74% variable
Earn 10,000 Bonus Miles after spending $500 in purchases on your new card in your first 3 months of Card Membership. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
$95
17.74% to 26.74% variable
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
17.74% to 26.74% variable
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
$495
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
$195
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
$39
24.99% variable
Designed to help build credit history with no deposit required and access to benefits.
$75 annual fee for the first year ($99 thereafter)
23.9% variable
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$75 annual fee for the first year ($48 thereafter)
29.99% variable
The First Access Card is a true VISA® credit card that does not require perfect credit for approval.
Up to
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
$0
20.74% variable
Designed for college students to build credit history and earn rewards.
$35
19.39% variable
A secured Visa® credit card that helps you build your credit quickly.

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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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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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