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Last Updated: 07/28/2025

Simmons Bank Foundation Visa

from Simmons Bank

Last Updated: 07/28/2025

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Highlights

Purchase APR (Variable APR)

25.24%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

N/A

Credit Score Range

Starting at 700

Annual Fee

Simmons Bank Foundation Visa Review

This is a card issued by Simmons Bank. If you're wondering whether Simmons Bank Foundation Visa is the right card for you, read on.

Key Takeaways

APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 25.24%
No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card , but you don't have to pay an annual fee for the privilege.
Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 2% every time you make a transaction outside the U.S.
Good or excellent credit required. You will have low approval odds if your credit score is below good.

Pros & Cons of Simmons Bank Foundation Visa

The Good

The Bad

No annual fee.

Higher than average purchase APRs.
You need good credit to qualify.
Does not offer a signup bonus.
Does not offer rewards or cash back.
Charges a foreign transaction fee of up to 2%.
You don't earn rewards on every purchase.
Does not report to credit bureaus.

Simmons Bank Foundation Visa FAQ

Does Simmons Bank Foundation Visa have a cash back or rewards program?

No, it does not offer a rewards program.

Simmons Bank Foundation Visa Rewards Breakdown

Description

How do people rate the customer service and user experience of Simmons Bank Foundation Visa?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Simmons Bank perform a hard credit pull?

Yes, Simmons Bank Foundation Visa performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for Simmons Bank Foundation Visa

Visit the website of Simmons Bank Foundation Visa.
Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Created by

Fact Checked by

SuperMoney

Andrew Latham

Contact

Headquarters

PO Box 84071

Columbus, GA 31908

(800) 272-2102

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Email Support

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Simmons Bank Visa® Credit Card

Rating not yet determined

1 review

Purchase APR

12.50% - 20.50%

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Balance Transfer APR

12.50% - 20.50%

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Credit Score Range

700 - 850

300

850

Annual Fee

Visit Site

Simmons Rewards Visa Signature®

Rating not yet determined

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Purchase APR

14.50% - 22.50%

Disclaimer popup with additional information

Balance Transfer APR

14.50% - 22.50%

Disclaimer popup with additional information

Credit Score Range

700 - 850

300

850

Annual Fee

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.