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  Simmons Bank Visa Credit Card

Simmons Bank Visa Credit Card

in Personal Credit Cards from Simmons Bank

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Simmons Bank Visa Credit Card

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in Personal Credit Cards from Simmons Bank

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) Starting at 9.75%
Balance Transfer APR  (Variable APR) Starting at 9.75%
Credit Score Range 700 - 850

Simmons Bank Visa Credit Card Review

Simmons Bank Visa Credit Card is a credit card issued by Simmons Bank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. 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. If you're wondering whether Simmons Bank Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of Simmons Bank Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Includes emergency support.
  • Travel Accident Insurance.
  • Simmons Bank Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
  • Is there a Simmons Bank Visa Credit Card cash back or rewards program?

    No, Simmons Bank Visa Credit Card does not offer a rewards program.

    Simmons Bank Visa Credit Card Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    What are the Simmons Bank Visa Credit Card benefits?

    Simmons Bank Visa Credit Card provides the following benefits:

    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Zero fraud liability
    • Travel Accident Insurance
    • ID Theft Protection
    • Reports to major credit bureaus

    What are the relevant APRs for Simmons Bank Visa Credit Card?

    According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Simmons Bank Visa Credit Card has lower than average purchase 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% .

    Does Simmons Bank Visa Credit Card have an introductory APR offer?

    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.
    Simmons Bank Visa Credit Card Balance Transfers
    Description
    Balance Transfer APR Starting at 9.75%
    Introductory Rate N/A
    Intro APR period (months) N/A
    Simmons Bank Visa Credit Card Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR Starting at 9.75%
    Credit Limit N/A
    Penalty APR N/A
    Cash Advance APR Starting at 13.75%
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the Simmons Bank Visa Credit Card fees?

    The following fees apply to Simmons Bank Visa Credit Card:

    • There is no overlimit fee
    Simmons Bank Visa Credit Card Fees
    Fees Amount
    Annual Fee $0
    Overlimit Fee $0
    Foreign Transaction Fee 2%
    Balance Transfer Fee 0%
    Minimum Balance Transfer Fee $0
    Returned Payment Fee $35
    Late Payment Fee $35

    Does Simmons Bank Visa Credit Card have a foreign transaction fee?

    Simmons Bank Visa Credit Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

    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:

    • Equifax
    • Experian
    • Transunion

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    How to apply for Simmons Bank Visa Credit Card

    • Visit the Simmons Bank Visa Credit Card website.
    • 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

    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...

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    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Annual Fee $0
    Balance Transfer Fee % 0%
    Balance Transfer Fee Minimum $0
    Minimum Interest Charge $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 25
    Over-Limit Fee $0
    Foreign Currency Transaction Fee 2%
    Late Fee Amount $35
    Returned Payment Fee $35
    Co-signing Allowed  
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Visa
    Card Type
    • Balance Transfer
    • Low Interest
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Fraud Liability
    • Identity Theft Protection
    • Travel Accident Insurance
    Emergency Support  
    Travel Insurance  
    Cash Advance APR (Variable APR) Starting at 13.75%
    Purchase APR (Variable APR) Starting at 9.75%
    Balance Computation average daily balance (including new purchases)
    Balance Transfer APR (Variable APR) Starting at 9.75%

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