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Simmons Visa®

No Annual Fee.

Credit Recommended:

Excellent

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    CARD TYPE: Unsecured

    Unsecured credit cards offer a revolving credit line and not requiring an initial deposit.

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    WHO CAN GET IT: Consumer

    These credit cards are for the average consumer who needs a credit card for personal use.

ABOUT THE CARD
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 10.25% variable standard purchase APR and platinum benefits.
  • No Annual Fee.
  • No balance transfer fee for balances transferred in response to this online offer.
RATES & FEES INFORMATION:
  • PURCHASES
    Intro APR on Purchases:
    N/A
    Regular APR:
    10.25% (variable)
    Minimum Grace Period:
    25 days
  • BALANCE TRANSFERS
    Intro APR on Balance Transfers:
    N/A
    Regular APR:
    10.25% (variable)
  • CASH ADVANCE
    Intro APR on Cash Advances:
    N/A
    Regular APR:
    14.25% (variable)
  • FEES
    Annual Fee:
    NONE
    Application Processing Fee:
    See Terms
Simmons Visa®

Questions & Answers about the card:

Do Simmons bank cards have chip technology? Is it reliable?

Simmons Bank has begun issuing new chip-enabled Visa credit card. The EMV chip cards are more secure because every time you use a chip card, it produces a one-time use code for each transaction. Therefore, stolen chip card data cannot be used to create counterfeit cards. The same happens when you use your card for mobile transactions. The chip technology exists for more than 20 years and is considered a more secure solution than magnetic stripe cards.

What is the best credit card to earn miles?

Simmons Bank credit cards do not offer big rewards but you still can find a credit card that will allow you to earn points for every dollar you spend. For example, their Visa Platinum rewards card will allow you to earn points that can be redeemed toward travel expenses. Earned points can be redeemed for a U.S. based airline ticket without blackout dates. Other redemption options are hotels, cruises, vacation packages, car rental and restaurants.

How do I know if my transfer or bill payment was posted successfully?

Simmons Bank offers card alerts that will allow you to keep track of your transactions. To do that, you will need to register your credit card on their website. The bank also offers a mobile app that will let you access your credit card account information anytime. The app shows an account balance, allows paying bills online, and tracks all transactions.

What is the cards annual fee? Also, will I be able to pay my bills using Simmons Bank credit card?

Simmons Bank credit cards we offer do not have an annual fee. These cards are for people with excellent credit, therefore you won’t be charged an annual fee. To pay other fees using your credit card, you can use the bank’s bill payment service. The service will allow you to pay any bill to anyone in the U.S. All bill payments will be recorded and you can even set up automatic bill payments.