Card
Network

Visa®
Bank

Simmons Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

Excellent
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

Travel Rewards - cardholders who enroll in the program receive 1.25 points per net dollar spent.

CARD DETAILS

  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved.
  • Low 12.25% variable standard purchase APR and platinum benefits.
  • No Annual Fee.
  • No balance transfer fee for balances transferred in response to this online offer.
  • Travel Rewards - cardholders who enroll in the program receive 1.25 points per net dollar spent.
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants.
+ Pros
  • Low variable APR.
  • No annual fee.
  • No Balance Transfer Fee.
  • Travel Rewards.
- Cons
  • No Intro APR.

REWARDS: Points

Rewards Program
  • Travel Rewards - cardholders who enroll in the program receive 1.25 points per net dollar spent.
  • Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions.
  • Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants.
Rewards Bonus
No Rewards Bonus

PURCHASES

Intro
APR

N/A
Ongoing
APR

12.25% (variable)
Penalty
APR

N/A
Minimum Grace
Period

25 days
Minimum Interest
Charge

See Terms

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

12.25% (variable)
Balance Transfer
Fee

NONE
Penalty
APR

N/A
Minimum Grace
Period

N/A

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

16.25% (variable)
Cash Advance
Fee

3% of amount of each cash advance
Penalty
APR

N/A
Minimum Grace
Period

N/A

GENERAL FEES

Application Processing
Fee

See Terms
Annual
Fee

NONE
Foreign Transaction
Fee

2% of amount in U.S. dollars
Late Payment
Fee

Up to $35
Card Overall Rating
APPLY
Have Questions?
ASK OUR EXPERT!
ASK YOUR QUESTION

SEE OTHER RECOMMENDED OFFERS

CONSUMER DISCUSSION