Quick look at best Simmons Bank cards
- Simmons Visa®: Best for low APR.
- Simmons Rewards Visa Signature®: Best for low APR with rewards.
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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 or variable depending on the card you choose, and you’ll also find introductory rates on balance transfers.
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.
Finder rating 4.1 / 5 ★★★★★
Welcome Offer | n/a |
---|---|
Rewards | None |
Annual Fee | $0 |
Minimum Credit Score | 740 |
Welcome Offer | 30,000 points |
---|---|
Rewards | 1.25x points |
Annual Fee | $0 |
Minimum Credit Score | 740 |
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.
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.
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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