Simmons Bank credit cards: Which one is best for you?

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.

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Name	Product	Annual fee	Balance transfer APR	Purchase APR	Filter values
Simmons Visa®		$0	0% intro for the first 12 months (then 11% to 19% variable)	11% to 19% variable		Enjoy one of the lowest available APRs on the market.	View details	Compare	loading Fetching your data...
Simmons Rewards Visa Signature®		$0	0% intro for the first 12 billing cycles (then 13.75% to 21.75% variable)	13.75% to 21.75% variable		Earn 1.25x points on all purchases.	View details	Compare	loading Fetching your data...

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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.

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.

Best for low APR

Simmons Visa®

Finder rating 4.1 / 5 ★★★★★

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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.

• Pros and cons

  Pros

  • Low APR. You get variable APR on purchases, which is the lowest you can find.
  • No annual fee. There's no annual fee for the card.
  • Intro APR period on balance transfers. Get 0% intro APR period on balance transfers within your first 12 months when you open your account. After that, a variable APR of applies.

  Cons

  • No intro APR period on purchases. You only get 0% intro APR period on balance transfers, but not on purchases.
  • Foreign transaction fees. Every transaction made abroad or online with foreign merchants will cost you 2% of the amount.
  
  

• More details

  Annual fee	$0
  Purchase APR	11% to 19% variable
  Balance transfer APR	0% intro for the first 12 months (then 11% to 19% variable)
  Welcome Offer	N/A
  Rewards	None

Pros

• Low APR. You get variable APR on purchases, which is the lowest you can find.
• No annual fee. There's no annual fee for the card.
• Intro APR period on balance transfers. Get 0% intro APR period on balance transfers within your first 12 months when you open your account. After that, a variable APR of applies.

Cons

• No intro APR period on purchases. You only get 0% intro APR period on balance transfers, but not on purchases.
• Foreign transaction fees. Every transaction made abroad or online with foreign merchants will cost you 2% of the amount.

• More details

  Annual fee	$0
  Purchase APR	11% to 19% variable
  Balance transfer APR	0% intro for the first 12 months (then 11% to 19% variable)
  Welcome Offer	N/A
  Rewards	None

Welcome Offer	n/a
Rewards	None
Annual Fee	$0
Minimum Credit Score	740

Read Review

Best for low APR with rewards

Simmons Rewards Visa Signature®

Read Review

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.

• Pros and cons

  Pros

  • Annual fee. None.
  • Low ongoing APR. Your purchase and balance transfer APR will be 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 billing cycles after account opening on balance transfers you complete within the first 60 days. After this intro rate expires, your APR will be 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.

  Cons

• More details

  Annual fee	$0
  Purchase APR	13.75% to 21.75% variable
  Balance transfer APR	0% intro for the first 12 billing cycles (then 13.75% to 21.75% variable)
  Welcome Offer	Spend $3,000 in purchases during the first 3 months to earn 30,000 Bonus Rewards Points
  Rewards	1.25x points

Pros

• Annual fee. None.
• Low ongoing APR. Your purchase and balance transfer APR will be 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 billing cycles after account opening on balance transfers you complete within the first 60 days. After this intro rate expires, your APR will be 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.

Cons

• More details

  Annual fee	$0
  Purchase APR	13.75% to 21.75% variable
  Balance transfer APR	0% intro for the first 12 billing cycles (then 13.75% to 21.75% variable)
  Welcome Offer	Spend $3,000 in purchases during the first 3 months to earn 30,000 Bonus Rewards Points
  Rewards	1.25x points

Welcome Offer	30,000 points
Rewards	1.25x points
Annual Fee	$0
Minimum Credit Score	740

Read Review

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.