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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.
- Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
- Low 8.25% variable standard purchase APR and platinum benefits.
- No Annual Fee.
- No balance transfer fee for balances transferred in response to this online offer.
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PURCHASES
- Intro APR on Purchases:
- N/A
- Regular APR:
- 8.25% (variable)
- Minimum Grace Period:
- 25 days
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BALANCE TRANSFERS
- Intro APR on Balance Transfers:
- N/A
- Regular APR:
- 8.25% (variable)
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CASH ADVANCE
- Intro APR on Cash Advances:
- N/A
- Regular APR:
- 12.25% (variable)
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FEES
- Annual Fee:
- NONE
- Application Processing Fee:
- See Terms
Questions & Answers about the card:
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.
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.
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.
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.