Simmons Bank Credit Cards

1,053 Reviews

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Please find below credit cards offered by Simmons Bank.

Compare Simmons Bank Credit Cards

Simmons Bank Visa®

3.55 out of 5 rating352 Reviews

3.55 out of 5 rating352 Reviews

3.1WalletHub Rating

WalletHub Rating

3.1

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.6

User Reviews

3.5

Market Comparison

2.9

fees: 5.0

cost: 2.3

APR: 3.2

Purchase Intro APRNot Offered

Transfer Intro APR0% for 12 months|Transfer Fee: 5% (min $10)

Regular APR14.25% - 22.25% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

0% for 12 months|Transfer Fee: 5% (min $10)

Regular APR

14.25% - 22.25% (V)

annual fee

rewards rate

None

minimum credit

Excellent

WalletHub's Take

Pros

No membership fees
0% intro APR on balance transfers

Cons

No rewards
No initial rewards bonus
No intro APR on purchases
Balance transfer fee

Read our editor's full Simmons Bank Visa® review.

Additional Info

0% Intro APR for 12 months on balance transfers completed within 60 days of account opening date.
Get up to $1,000,000 travel accident insurance at no additional cost.
Get coverage for damage due to collision or theft up to the actual cash value of most rental cars.
24-hour customer service representatives are always there to help.

Pros, Cons, & Details

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Simmons Bank Rewards Visa Signature

3.66 out of 5 rating125 Reviews

3.66 out of 5 rating125 Reviews

3.5WalletHub Rating

WalletHub Rating

3.5

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

2.5

User Reviews

3.6

Market Comparison

3.7

fees: 4.2

rewards: 2.8

cost: 4.3

Other Features: 0.0

Purchase Intro APRNot Offered

Transfer Intro APR0% for 12 months|Transfer Fee: 5% (min $10)

Regular APR16.25% - 24.25% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

0% for 12 months|Transfer Fee: 5% (min $10)

Regular APR

16.25% - 24.25% (V)

annual fee

rewards rate

1.25 points / $1

Bonus Offer

30,000 points

Bonus Offer

30,000 points

minimum credit

Good

WalletHub's Take

Pros

No membership fees
0% intro APR on balance transfers
30,000 points initial rewards bonus

Cons

No intro APR on purchases
Balance transfer fee
Foreign fee
Requires good/excellent credit

Read our editor's full Simmons Bank Rewards Visa Signature review.

Rewards Details

Receive 30,000 bonus rewards points for spending $3,000 in the first 3 months of account opening.
Earn 1.25 points per $1 spent on all purchases.
Redeem your points for cash back, airfare, dream vacations and top merchandise.

Additional Info

0% Intro APR for 12 months on balance transfers completed within 60 days of account opening date.
Get coverage for damage due to collision or theft up to the actual cash value of most rental cars.
Get up to $1,000,000 travel accident insurance at no additional cost.
Receive valuable perks like access to exclusive hotels, complimentary 24-hour Visa Signature concierge and special entertainment packages.

Pros, Cons, & Details

Compare

Simmons Bank Credit Card Reviews

3.8

What's Your Rating?

ggricker
June 8, 2024 • @ggricker

I had a Simmons credit card for almost 30 years. Credit rating high. No missed payments. Pay off card fairly often. It was the lowest interest rate of most cards, so it was the only one I ever carried a balance on. When the card came up for renewal, it was reviewed by the bank and denied without notification or reason. I only found out when I noticed my card had expired. It is a terrible way to treat a long-time customer.

Product: Simmons Bank Credit Cards

Comment

Bill Cagle
February 27, 2024 • @caglebill64

Poor customer service. They don't honor their offers. Beware of the bait and switch! I was a customer for over 10 years. There are a lot of better banks and credit cards out there. Don't waste your time with these folks.

Product: Simmons Bank Credit Cards

Comment

debcan
September 13, 2022 • @debcan

BAIT & SWITCH BANK!!

Sent me a $25 statement credit notice via email. Needed to purchase within 6 days. I did. No statement credit. WHY? Well in the VERY small print, I had to purchased $1,000 of merchandise!! That little morsel was buried in small print at the bottom of the email!!!! OOOOH but they got me! NEVER AGAIN. I thought I was savvy to all the nasty little tricks...oh well, the older I get the more I learn. Thanks SIMMONS...good lesson. BYEEEEEEEEEE!!

Product: Simmons Bank Credit Cards

Comment

synose73
August 22, 2021 • @synose73

I had a Visa credit card account until 6/15/2010, when I filed for a chapter 7 bankruptcy. At that time, the balance due was charged off. They now, 11 years later, are illegally reporting this as a charge-off to the credit bureaus. I have yet to contact them since it's the weekend. Still, there is no excuse for them to report something that was legally charged off in bankruptcy except vindictiveness, especially since I'm now applying for a refinance on my home loan, and this has dropped my score almost 100 points as well as having a discharged debt showing on my credit bureaus.

Product: Simmons Bank Credit Cards

Comment

ARLENE
August 3, 2021 • @rlene527

Verified Customer

I love the fact that Simmons Bank Credit card has one of the lowest interest rate of my other credit cards. This really helps if you can't pay your bill in full.

Product: Simmons Bank Credit Cards

Comment

Kathy
January 6, 2021 • @sodakotahkat

Verified Customer

Low interest card with great starting limit. Plus they offer promos at really low apr. The original identity verification made me wonder if I would get approved but I mailed in copies of drivers license and address verification and they issued a card with a great SL

Product: Simmons Bank Credit Cards

Comment

Jack Merck
July 6, 2020 • @merck_jack2

I want to give a customer service rating of Chandra and Tracey a 0. They are about as good as talking to an automated character,virtually no concern for the customer.

Product: Simmons Bank Credit Cards

Comment

klahmeyer
January 28, 2020 • @klahmeyer

Completely incompetent customer service people. We were given totally wrong information about the terms of the credit card. We then discovered the terms were a rip-off anyway. Definitely would not recommend.

Product: Simmons Bank Rewards Visa Signature

Comment

John
December 29, 2019 • @johnh_718

Verified Customer

Simmons started as a low interest credit card and has kept that way. I can select a variety of warning notifications such as how close I am to the maximum.

Product: Simmons Bank Credit Cards

Comment

Susan Wray
February 18, 2016 • @susanw_14

I Love the 7.5% rate.

Product: Simmons Bank Visa®

Comment

Review Simmons Bank Credit Cards

Simmons Bank Credit Card Q&A

Get answers to your questions about Simmons Bank Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvote

How do I apply for Simmons Bank Visa?

Hector Molina, WalletHub Analyst

The easiest way to apply for the Simmons Bank Visa® card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Simmons Bank's website. Alternatively, you can apply in person.

Keep in mind that the Simmons Bank Visa® card requires excellent credit, which means you need a 750+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's good to know what your chances are before applying. You can check your credit score for free here on WalletHub.

Ways to Apply for the Simmons Bank Visa® Card

Online: Applying online is the fastest and most straightforward way. You can do that by clicking “Learn More” on sites like WalletHub or through Simmons Bank's website. You will then need to fill in your personal and financial information.
In Person: Visit a local Simmons Bank branch and let a representative know that you would like to apply for the Simmons Bank Visa® card. Then, fill out the application with your personal and financial info.

How to Apply for the Simmons Bank Visa® Card Online

Go to the application page on Simmons Bank's website or click the “Learn More” button on sites like WalletHub to be taken there.

Read over the terms and conditions of the card to make sure you understand how the card works before you apply.

Fill in the requested personal information such as your name, address, phone number, SSN or ITIN, and date of birth.

Fill in the requested financial information such as your income, sources of income, employment status andhousing status.

Authorize Simmons Bank to do a hard pull of your credit report, which will help them evaluate if you are qualified to get the card.

Double check to make sure the application is complete and all the information is accurate.

Submit the application.

Once you've submitted your Simmons Bank Visa® card application, you may receive a decision right away. If approved, you'll get your new card in the mail within 7 to 10 business days.

Upvotes

What is the Simmons Bank Visa credit score requirement?

Chip Lupo, Credit Card Writer

The Simmons Bank Visa® credit score requirement is 750 or better. That means people with excellent credit have a shot at getting approved for the Simmons Bank Visa®.

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Simmons Bank Visa®, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.

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Upvotes

How can I check my application status?

WalletHub

You can check your application status by calling the issuer's customer service at 800-272-2102. We've got our fingers crossed for you!

Upvotes

What will my interest be?

Upvotes

Can I pay my bill online?

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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

* The information about the following cards has been independently collected by WalletHub: Simmons Bank Visa® and Simmons Bank Rewards Visa Signature.