Last Updated: 07/28/2025
Simmons Rewards Visa Signature®
Unaffiliated
in Credit Cards from Simmons Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.50% - 22.50%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
14.50% - 22.50%(Verified 06/21/2024)
Credit Score Range
700 - 850
Annual Fee
$0
Simmons Rewards Visa Signature® Review
This is a rewards card issued by Simmons Bank. If you're wondering whether Simmons Rewards Visa Signature® is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- Spend $3,000 in purchases during the first 3 months to earn 30,000 Bonus Rewards Points.
- APRs: Simmons Rewards Visa Signature® has a variable regular purchase APR that ranges from 14.50% up to 22.50%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Simmons Rewards Visa Signature® charges a fee of 3% on balance transfers. 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 up to 2% every time you make a transaction outside the U.S.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Simmons Rewards Visa Signature
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Simmons Rewards Visa Signature FAQ
Does Simmons Rewards Visa Signature have a cash back or rewards program?
Simmons Rewards Visa Signature is a rewards card.
| Description |
Does Simmons Rewards Visa Signature have a signup bonus?
Yes. Spend $3,000 in purchases during the first 3 months to earn 30,000 Bonus Rewards Points.
Does Simmons Rewards Visa Signature offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for Simmons Rewards Visa Signature?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Simmons Rewards Visa Signature® has a variable purchase APR that ranges from 14.50% up to 22.50%. The card has a variable balance transfer APR that ranges from 14.50% up to 22.50%. It also has a variable cash advance APR that ranges from 18.50% up to 26.50%.
Does Simmons Rewards Visa Signature have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.50% - 22.50% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 60 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Simmons Rewards Visa Signature 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 Rewards Visa Signature?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $4 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Simmons Rewards Visa Signature have a foreign transaction fee?
Simmons Rewards Visa Signature charges a foreign transaction fee of up to 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 Rewards Visa Signature?
The customer service number for Simmons Rewards Visa Signature is (800) 272-2102.
What is the support contact email for Simmons Rewards Visa Signature?
The support contact email for Simmons Rewards Visa Signature is support@simmonsbank.com.
What is the login page for Simmons Rewards Visa Signature?
You can access the login page of Simmons Rewards Visa Signature here.
How do people rate the customer service and user experience of Simmons Rewards Visa Signature?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Simmons Bank perform a hard credit pull?
Yes, Simmons Rewards Visa Signature performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Simmons Rewards Visa Signature
- Visit the website of Simmons Rewards Visa Signature.
- 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.
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