Simmons Rewards Visa Signature®
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| Purchase APR (Variable APR) |
14.50% - 22.50% (Verified 08/18/2022) |
| Balance Transfer APR (Variable APR) |
14.50% - 22.50% (Verified 08/18/2022) |
| 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% 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.
- Competitive APRs. Simmons Rewards Visa Signature® has a variable 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.
- 3% Balance transfer fee. Simmons Rewards Visa Signature® 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 $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Simmons Rewards Visa Signature
| The Good | The Bad |
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Simmons Rewards Visa Signature FAQ
Does Simmons Rewards Visa Signature have a cash back or rewards program?
Simmons Rewards Visa Signature is a rewards card.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) |
Does Simmons Rewards Visa Signature have a signup bonus?
This card doesn't offer a cash signup bonus.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 is 15% for all credit cards and 17% for accounts that carry a balance. 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 Fee Intro Period | 60 days |
| Balance Transfer Introductory APR | 0% |
| Balance Transfer APR | 14.50% - 22.50% |
| Balance Transfer Fee Minimum | $10 |
| Balance Transfer Fee % | 3% |
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?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $39 |
| Late Payment Fee | up to $39 |
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 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 Simmons Rewards Visa Signature customer service number 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 Simmons Rewards Visa Signature login page?
You can access the Simmons Rewards Visa Signature login page 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.
How to apply for Simmons Rewards Visa Signature
- Visit the Simmons Rewards Visa Signature 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.
Contact
- Headquarters
-
PO Box 84071
Columbus, GA 31908 USA - (800) 272-2102
- Visit Site
- Email Support
Other Services by Simmons Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $4 |
| Cash Advance Fee (%) | 3% |
| Minimum Cash Advance Fee ($) | $4 |
| Foreign Currency Transaction Fee | 2% |
| No Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 25 days |
| Returned Payment Fee | Up to $39 |
| Late Fee Amount | Up to $39 |
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