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Simmons Bank Visa Credit Card

in Personal Credit Cards

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Simmons Bank Visa Credit Card

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in Personal Credit Cards

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Overview

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:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

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 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.

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Contact

Other Services by Simmons Bank

Availability

Available in 50 States and Washington, DC
  • 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

Grace Period
25
Over-Limit Fee
$0
Minimum Interest Charge
$0
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$35
Returned Payment Fee
$35
Foreign Currency Transaction Fee
2%
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range
700 - 850
850 300 700
Minimum Age
18
Co-signing Allowed
Customer Type
Personal
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • ID Theft Protection
  • Travel Accident Insurance
Car Rental Insurance
Travel Insurance
Emergency Support
Cash Advance APR
(Variable APR)
Starting at
13.75%
Purchases APR
(Variable APR)
Starting at
9.75%
Balance Computation
average daily balance (including new purchases)
Balance Transfer APR
(Variable APR)
Starting at
9.75%
Transfer Fee
0%
Transfer Fee Minimum
$0

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