Simmons Bank Visa® Credit Card

Simmons Bank Visa® Credit Card Review

This is a card issued by Simmons Bank. If you're wondering whether Simmons Bank Visa® Credit Card is the right card for you, read on.

Key Takeaways

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
• Competitive APRs. Simmons Bank Visa® Credit Card has a variable purchase APR that ranges from 12.50% up to 20.50%.
• 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

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?

Simmons Bank Visa® Credit Card has a variable purchase APR that ranges from 12.50% up to 20.50%. The card has a variable balance transfer APR that ranges from 12.50% up to 20.50%. It also has a variable cash advance APR that ranges from 16.50% up to 24.50%.

What are the fees for Simmons Bank Visa® Credit Card?

The following fees apply:

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 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.