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Simmons Rewards Visa Signature® review

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Advertiser Disclosure

Annual Fee
$0.00
Interest Rate: Purchases
16% ‐ 24% (Variable)
Interest Rate: Purchases
16% ‐ 24% (Variable)
Balance Transfer
16% ‐ 24% (Variable) (0% for the first 12 months)
Balance Transfer
16% ‐ 24% (Variable) (0% for the first 12 months)
Rewards
1.25 points
Rewards
1.25 points
Signup Bonus
30000 points (after spending $3,000)
Signup Bonus
30000 points (after spending $3,000)


7.7/10
Informr score
The Simmons Rewards Visa Signature® currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 5 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Simmons Rewards Visa Signature® is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Investopedia
Investopedia

If you’re looking for a simple card, but you also want an opportunity to earn rewards on your everyday purchases, the Simmons Rewards Visa Signature should be on your radar. The card doesn’t compete with the best rewards credit cards on the market, and its APR isn’t the lowest you can get. But it do...

- Ben Luthi, Investopedia
MoneyGeek
MoneyGeek

The Simmons Rewards Visa Signature could be best for users who want a credit card that allows access to rewards without worrying about high interest rates or an annual fee. These features are typically inversely proportional to each other, making this card unique.

- Alene Laney, MoneyGeek
The Balance
The Balance

The main distinction of the Simmons Rewards Visa Signature is that its variable interest rate is among the lowest available for a rewards credit card. That makes it an attractive option if you sometimes need to carry a balance. The card, issued by Simmons Bank, also lets you earn 1.25 reward points...

- Holly D. Johnson, Khara Scheppmann, The Balance
Bankrate
Bankrate

Don’t let the modest perks fool you, the Simmons Bank Visa Platinum Rewards card is no entry-level credit card. It requires excellent credit, so if you’re just establishing or repairing your credit, then you might want to keep looking.

- Natalie Campisi, Bankrate
Finder
Finder

If you’re looking for a low interest credit card that accumulates travel rewards points among other perks, the Simmons Bank Visa Platinum Rewards Card could be a helpful solution.

- Finder

Details


Interest Rates
Regular APR Interest Rate 16% ‐ 24% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16% ‐ 24% (Variable) (0% for the first 12 months)
  • Intro rate applies on balances transferred within the first 60 days of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 20% ‐ 28% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee $0.00

During the promotional period: either $10.00 or 3% of the amount of each balance transfer, whichever is greater. After the promotional period: $0.

Cash Advance Fee 3%

Minimum of $4

Foreign Transaction Fee 2%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $39.00

Maximum

Promotions
Sign up bonus 30000 points after spending $3,000

On purchases within the first 3 months

Rewards
All Purchases 1.25 points per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
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Additional comments -
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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