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

Simmons Bank Visa Credit Card Review

Simmons Bank Visa Credit Card 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 is everything you need to know to make a good choice.

  • 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.
  • 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 up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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, travel accident insurance, and fraud protection.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
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.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Simmons Bank Visa Credit Card reports to multiple credit bureaus.
  • Offers auto rental collision damage waiver.
  • Travel accident insurance.
  • 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.

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.

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 of 9.75% . It also has a variable cash advance APR of 13.75% .

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

Yes, Simmons Bank Visa Credit Card offers an introductory 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 APR 9.75%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer Fee Intro Period (days) 60
Balance Transfer Fee Minimum $10

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

Simmons Bank Visa Credit Card does not offer an introductory rate on new purchases.

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 up to $0
Overlimit Fee $0
Foreign Transaction Fee 2%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $10
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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Other Services by Simmons Bank

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

No Annual Fee  
Annual Fee $0
Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25 days
Foreign Currency Transaction Fee 2%
Returned Payment Fee $35
Late Fee Amount $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
Card Type
  • Balance Transfer
  • Low Interest
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Emergency Support  
Travel Insurance  
Car Rental Insurance  
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) 13.75%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) Starting at 9.75%
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) 9.75%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

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