SuperMoney
  Simmons Bank Visa Credit Card

Simmons Bank Visa Credit Card

in Personal Credit Cards from Simmons Bank

Unaffiliated

Simmons Bank Visa Credit Card

Unaffiliated

in Personal Credit Cards from Simmons Bank

Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Simmons Bank Visa Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Purchase APR  (Variable APR) 8.25%
Balance Transfer APR  (Variable APR) 8.25%
Credit Score Range 700 - 850
Annual Fee $0

Simmons Bank Visa Credit Card Review

This is a credit card issued by Simmons Bank. If you're wondering whether Simmons Bank Visa Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Competitive APRs. Simmons Bank Visa Credit Card has a variable purchase APR of 8.25%
  • 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.
  • 3% Balance transfer fee. Simmons Bank Visa Credit Card charges a fee of 3% on balance transfers, if you transfer the balance within 60 days of opening the account. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Accepts cosigners. Simmons Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, travel accident insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Simmons Bank Visa Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Simmons Bank Visa Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • 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.
  • Charges a 3% balance transfer fee, if you transfer the balance within 60 days of opening the account. After the introductory period, the fee is 0% of the balance transferred or $10, whichever is greater.
Simmons Bank Visa Credit Card FAQ

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

No, it does not offer a rewards program.

What are the Simmons Bank Visa Credit Card benefits?

It provides the following benefits:

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

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

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR of 8.25%. The card has a variable balance transfer APR of 8.25% . It also has a variable cash advance APR of 12.25% .

Does Simmons Bank Visa Credit Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 12 months.

Simmons Bank Visa Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Intro Period 60 days
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 8.25%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Does Simmons Bank Visa Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Simmons Bank Visa Credit Card?

The following fees apply:

Simmons Bank Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2%
Returned Payment Fee up to $35
Late Payment Fee up to $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

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 foreign transaction fees.

What is the customer service phone number for Simmons Bank Visa Credit Card?

The Simmons Bank Visa Credit Card customer service number is (800) 272-2102.

What is the support contact email for Simmons Bank Visa Credit Card?

The support contact email for Simmons Bank Visa Credit Card is support@simmonsbank.com.

Does Simmons Bank Visa Credit Card report your account activity to credit bureaus?

Yes, 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 may help improve your credit.

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 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.

Contact

Other Services by Simmons Bank

Availability

  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

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $4
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $4
Foreign Currency Transaction Fee 2%
Returned Payment Fee Up to $35
Late Fee Amount Up to $35
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 12.25%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 8.25%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Intro Period 60 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 8.25%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Low Interest
  • Zero Percent
Card Network Visa

Be the first to rate

 

Would you recommend Simmons Bank Visa Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Personal Credit Cards