Quick and easy application find out if you qualify in minutes. Jan 10, 2012, which named the simmons first platinum visa as one of its best credit cards for 2012, says the bank will only issue this particular brand of plastic to consumers with excellent. Since inception, simmons bank continues to offer individual, corporate, online banking and a array of credit cards to its consumers. We were unable to determine the value of these points or how you redeem them, but its still nice to have the feature. Apr 10, 2020 many simmons visa customers point out the cards low interest rate and zero balance transfer fees as a huge boon. The majority of credit card users in america carry a balance. No balance transfer fee for balances transferred in response to this online offer. Get the info you need to take control of your credit. With the simmons first visa platinum, theres a variable apr of 7. But given that the cards still offers a very low rate, will that compromise the reward program. If you are looking for reward card with low interest rate, simmons first has a version of this with rewards. The chase freedom visa stands out among zero apr credit cards, with zero percent apr for 12 months on transfers made within the first 30 days. If you typically carry a balance from month to month, you save the. The simmons visa is a basic, nofrills credit card that offers a very low interest rate.
If you are looking specifically for a credit card that offers great travel rewards, a credit card through an airline, such as the southwest credit card which gives you two free flight tickets, might offer more of the kinds of benefits you are hoping to. Simmons bank visa credit card charges a fee of up to 3% on balance. You may access your personal account at simmons bank cardmanager. I applied for this card about 3 to 4 years ago and got declined. Needless to say, if youre serious about earning rewards, you should take a pass on the simmons bank visa platinum rewards card. For general questions about your simmons bank credit card, call 1800272 2102. At publishing time, simmons first visa platinum, iberiabank visa select and capital one platinum prestige credit card are offered on product pages.
The simmons rewards visa signature card is a rewards credit card that earns points with every purchase. We are continually improving the user experience for everyone, and applying the relevant accessibility guidelines. No fees no annual fees and no fees to use your card. Low interest credit cards with no balance transfer fee. Cardholders would incur a fixed interest rate that covers most transactions including purchases. Reviews, rates, fees and customer service info for the simmons bank visa. Simmons bank offers access to customer service representatives 24 hours a day, 7 days a week. Free access to credit monitoring, alerts and features to help you understand your credit. For general questions about your simmons bank credit card, call 18002722102.
So the simmons bank visa platinum cards lack of such a fee is nothing unique. How to apply for the simmons visa go to the simmons bank site and. The membership services of the application are provided by simmons bank, pine bluff, arkansas. To request a copy of credit card agreements, disclosures and notes, please call 18002722102 or fill. Simmons bank card alerts allows you to receive instant text and email notifications when your registered cards are used in ways that could be indicators of a lost or stolen card or fraudulent activity. If you typically carry a balance from month to month, you save the most money with a credit card that charges the. Great job if theres a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have. The undersigned applicant, as an inducement to issue the card, represents and warrants information in or in connection with application to be complete and correct, and that applicant will, by accepting the card, be bound by the card membership rules supplied with the card and as amended by issuer. Simmons first visa platinum travel rewards credit card. Mar 26, 2020 how the simmons bank visa platinum compares to other lowinterest credit cards. Combine this with other platinum benefits and you have a winner.
The information provided for simmons bank visa platinum rewards is believed to be accurate at the time of evaluation feb 10, 2020. As far as rates go, they are both equal though you run the risk of not getting the lowest rate with iberia whereas with simmons first, you get 7. Simmons first national bank platinum credit card fee schedule. The best feature of the simmons bank visa platinum credit card is the low apr. Credit karma is committed to ensuring digital accessibility for people with disabilities.
Dec 12, 2019 the best feature of the simmons bank visa platinum credit card is the low apr. The simmons visa offers a 12month, 0% apr promotion on balance transfers made within 60 days of opening an account. They charge 2 percent fees on balance transfers, though. Simmons visa platinum is one of the lowest ongoing apr cards today. Qnb life rewards is a total relationship loyalty program which rewards you with points on all your transactions. For enrollment information, please email simmons bank. Protect up to 10 simmons bank credit cards with preferences that you set up and add up to 10 mobile numbers to receive the alerts. Simmons first national bank platinum credit card fee. Simmons first visa platinum travel rewards has an apr of only 9. Overall, the simmons first visa platinum rewards credit card gets a thumbsup from me.
This is a very rare interest rate since most credit cards charge 1626% on average which can put you further behind and make paying off your debt feel like a neverending. So if youre needing to use credit responsibly, consider this platinum level, low rate credit card. That isnt quite as much as many competing cards, but it is easy to keep track of. But it is an important piece of the overall puzzle. This simmons first platinum is offered through visa cards, which does offer travel rewards. Approved applicants will be given a low variable standard purchase rate of only 7. This cards distinction is its variable interest rate, which is. No credit card is perfect, after all, so its best to focus on finding the best combination of fees and interest rates if youre planning a balance transfer or bigticket purchase that will take months to. A 2% foreign transaction fee is charged for all purchases or cash advances abroad. The simmons bank visa platinum credit card is issued by simmons first national bank, an arkansas based financial institution. The appeal of the simmons bank visa platinum card lies entirely in its industry leading financing terms where consumers pay a 10.
If so, the simmons visa credit card is a solid offer worth a second look. Ive heard very good things about the customer service at first simmons. It is a low rate credit card that comes fully fitted with platinum benefits. The only other card with a rate this low, for those with excellent credit, is iberiabank. This is still way less than most other cards with rewards. I shredded the cash advance checks as i dont use credit cards for cash advances, thats why i have plocs if i need cash that i dont have in the bank already. Balance transfer apr, 0% intro for the first 12 months then 8. If you cannot log into the site please enroll your card again. But, as a group, those in the financial services sector arent famous for their altruism, at least when it comes to business.
After looking at the rates and comparing it to its closest peers, i can say with confidence that this card has the lowest ongoing apr in the market today. In my reading on this card, simmons first is really tough and award lower credit limits. Customers get 15 months of interestfree financing on both new purchases and balance transfers, with a 3% balance transfer fee. Most credit cards with a focus on financing dont charge annual fees. Its an easytounderstand and simpletouse process to earn and redeem points. The visa business platinum rewards card offers a low interest rate and the rewards you need for your growing business with no annual fee.
Simmons bank is an arkansas headquartered financial institution that opened its 1st office in march of 1903. Simmons bank visa platinum comes with travel perks. Excellent credit required applicants that do not have excellent credit will not be approved. You will need to enroll before your first time logging in. Each card below contains our editors rating and objective opinion. Slow application process is the only real drawback. Be among the first to experience a faster, more secure and more customizable digital banking experience than ever before. Credit karma offers free credit scores, reports and insights. New simmons visa cardholders will get a 12month, 0% apr promotion on balance transfers made within 60 days of opening an account. Shop credit cards balance transfer cards reward cards travel cards cash back cards 0% apr cards business cards cards for bad credit cards for. Despite industry analysts predictions that the credit card act of 2009 would cause issuers to reinstate annual fees and introduce a host of new fees, that hasnt happened. Get the simmons first visa platinum rewards card today. Several banks have a schedule of penalty rates that escalate according to how. Consumer actions new credit card survey looks at 109 credit cards issued by 45 companies.
For inquiries regarding your simmons bank business credit card, please contact 18443206674. Iberiabank, another small lender, issues visa platinum accounts with aprs about the same as simmons bank. Ive heard very good things about the customer service at first simmons as well. While the simmons first visa platinum rewards program offers top travel and related benefits, only those with an excellent credit rating need apply. The simmons rewards visa signature from simmons bank lets you earn 1. No bank could offer such an affordable card, and also provide perks, privileges and rewards, so the simmons first visa platinum comes with very few of these. Wide range of aprs the trend to new extremes in interest rates first noticed by ca in its. Instead of jacking up their interest rates to the mid teens, they just increased it slightly to 9. So the simmons bank visa platinum card s lack of such a fee is nothing unique. Use your card anywhere visa is accepted for purchases, 24hour cash from atms and cash advances. According to the federal reserve board, the average interest rate is 15% for all credit.
To login to this new platform, you will need to use a newyour existing user id, and your full social security number for personal accounts or tax id number for business accounts no dashes belonging to the individual or business name above as. Welcome to simmons bank card services for commercial and small business accounts. Simmons bank visa credit card charges a fee of up to 3% on balance transfers, if you transfer the balance within 60 days of opening the account. Simmons bank has a new online and mobile banking platform where your account has been converted. Hello all has anyone got a credit card by the name of simmons first visa platinum. With physical branches in just three states, simmons bank barely qualifies as a regional bank. Please update your bookmarks or favorites with the new website address. Simmons rewards visa signature credit card details. Find your cards fees, compare lowrate credit cards editorial disclaimer the editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. People in the credit card industry refer to these customers as revolvers, and they generate huge profits for the industry by paying. The simmons bank visa platinum card doesnt offer rewards, but neither do most of the other elite financing cards.
If you bought a new item with your visa platinum, and it gets stolen or accidentally damaged, your purchase protection will repair or compensate the value of the article up to forty five days after the. How to use simmons first visa platinum rewards program. The simmons visa may not get as much attention as others do, but it offers a. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. The card charges no annual fee, and as of publication the annual variable percentage rate is 9. The simmons bank visa platinum card has the lowest apr of any credit card available. The barclaycard ring mastercard barclaycard ring mastercard this card is not currently available on cardratings lets you transfer a balance at no fee after the first 45 days as a cardholder. Simmons first actually went better than most rewards cards. This cards distinction is its variable interest rate, which is on the low end, especially for a rewards card. Earning rewards and carrying a balance from month to month are a bad combination because youll inevitably have to sacrifice in terms of one, if not both.
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