Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

Simmons Visa® review

Compare Compare  
Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
15.5% ‐ 23.5% (Variable)
Interest Rate: Purchases
15.5% ‐ 23.5% (Variable)
Balance Transfer
15.5% ‐ 23.5% (Variable) (0% for the first 12 months)
Balance Transfer
15.5% ‐ 23.5% (Variable) (0% for the first 12 months)
Signup Bonus
Signup Bonus

Informr score
The Simmons Visa® currently has an Informr score of 8.1 out of 10. This score is based on our evaluation of 9 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Simmons Visa® 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...


Given its low variable APR, the Simmons Visa® is the ideal card for those who want to consolidate their debts or pay for large purchases over time. It also is great for those with good credit who frequently carry a balance and want lower interest rates.

- Alene Laney, MoneyGeek
The Ascent
The Ascent

The low ongoing APR is what makes the Simmons Visa® worth a look, especially if you regularly find yourself paying interest on your purchases. The card's introductory balance transfer offer may also appeal to some potential cardholders. But anyone with the excellent credit needed to qualify for a Si...

- Brittney Myers, The Ascent

For those who need a medium-length balance transfer card with a lower APR for the just-in-case and not much else, this card will do the job. It’s not flashy, it’s not fancy and it doesn’t earn rewards, so we don’t recommend it for spending or anything else, really.

- Chauncey Crail, Forbes
The Balance
The Balance

If you’ve got excellent credit and don’t pay off your credit card bills in full each month, a low-interest card is the way to go. And with a variable APR of 10.25%-18.25%, the Simmons Visa Card is one of the best you’ll find.

- Dawn Papandrea, Michael Rosenston, The Balance

This card is best for those who typically carry balances from month to month and should rely more on a low-interest, low-fee credit card than cards that include extra rewards or benefits. Also, if you are currently working on paying down a balance on a credit card with a high APR, you can break free...

- Christina Majaski, MyBankTracker


Interest Rates
Regular APR Interest Rate 15.5% ‐ 23.5% (Variable)

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

Balance Transfer Interest Rate 15.5% ‐ 23.5% (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 19.5% ‐ 27.5% (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


Sign up bonus No
All Purchases No
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 No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards No
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Simmons Visa®

Rate It: