Who is this credit card designed for?
Simmons Bank Visa Credit Card is a credit card issued by Simmons Bank, which is based in Columbus, GA.
Simmons Bank Visa Credit Card is designed for people with a credit score of 700 to 850. It's perfect for consumers looking for a card without an annual fee. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR. Simmons Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.
What are the relevant APRs?
Simmons Bank Visa Credit Card has a variable purchase APR starting at 9.75%.
The card has a variable balance transfer APR starting at 9.75%.
It also has a variable cash advance APR starting at 13.75%.
Is an introductory APR offer available?
No, Simmons Bank Visa Credit Card does not come with an introductory APR offer for balance transfers.
Simmons Bank Visa Credit Card does not offer an introductory rate on new purchases.
What are the fees?
The following fees apply to Simmons Bank Visa Credit Card:
- There is no annual fee.
- A late payment penalty of $35.
- A returned payment fee of $35.
- There is no overlimit fee
- A foreign transaction fee of 2%. Transactions in a foreign currency get hit with a 2% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $20.
Is a rewards program offered?
No, Simmons Bank Visa Credit Card does not offer a rewards program.
Is a signup bonus offered?
Simmons Bank Visa Credit Card doesn't offer a cash signup bonus.
Is an annual loyalty bonus offered?
Simmons Bank Visa Credit Card doesn't offer a cash loyalty bonus.
What additional benefits are offered?
Simmons Bank Visa Credit Card provides the following benefits:
Does Simmons Bank Visa Credit Card report your account activity to credit bureaus?
Simmons Bank Visa Credit Card reports your account activity to the following credit reporting agencies:
Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.
- Washington, DC
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Rhode Island
- South Carolina
- South Dakota
- West Virginia
|Grace Period for Late Payment (Days)||25|
|Minimum Interest Charge||$0|
|Balance Transfer Fee %||0%|
|Balance Transfer Fee Minimum||$0|
|No Annual Fee|
|Late Payment Penalty||$35|
|Returned Payment Fee||$35|
|Foreign Currency Transaction Fee||2%|
|Credit Score Range||
700 - 850
850 300 700
|Immigration Status Considered||
|Employment Statuses Considered||
|Supported Income Types||
|Car Rental Insurance|
|Credit Card Benefits||
|Purchase APR (Variable APR)||Starting at 9.75%|
|Cash Advance APR (Variable APR)||Starting at 13.75%|
|Balance Computation||average daily balance (including new purchases)|
|Balance Transfer APR (Variable APR)||Starting at 9.75%|