Simmons First Visa Platinum Rewards
- This card is best for consumers with excellent credit who occasionally carry a balance, but still want to earn rewards. However, this card offers Visa rewards, so it does not have as robust rewards program as most airline cards do.
- Intro APR
- 9.25%
- Regular APR
- 9.25%
- Intro APR Period
- life of balance
- Credit Score
Excellent
- Card Category
- Airlines, Icc_Home_Card_List, Low Interest, Miles/Points, Reward, Travel
Credit Type
Required Score
Excellent Credit
750 — 850
Good Credit
690 — 749
Fair Credit
640 — 689
Poor Credit
Poor
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Credit Card Review
by Card Expert Curtis ArnoldThe card has an exceptionally low interest rate and no annual fee--a rarity for airline cards. Points can be redeemed for travel on any United States based airline with no blackout dates or seating restrictions. If you don't wish to use the points for flights, you also have the option of redeeming them for hotels, cruises, car rental, restaurants, or full vacation packages. Points are based on 1:1.
Simmons First Visa Platinum Rewards Details
Card Issued By:
Simmons
General Correspondence Address:
PO Box 7836 Pine Bluff AR 71611
Card Type:
Visa
Card Class:
Platinum
Card Category:
Airlines, Icc_Home_Card_List, Low Interest, Miles/Points, Reward, Travel
States Available In:
ALL
Minimum Credit Limit:
Maximum Credit Limit:
Unknown
Credit Limit Notes:
Credit Card Rate Information
Purchase
Balance Transfer
Cash Advance
Index:
N/A
Prime
Prime
Margin:
6
6
10
Standard APR:
9.25%
9.25% Variable
13.25% Variable
Standard APR Floor:
N/A
N/A
N/A
Introductory Rate:
9.25%
9.25%
N/A
Introductory Period:
life of balance
life of balance
N/A
Finance Calculation Method:
Daily Balance
Purchase Grace Period:
25 days
Default/Penalty APR:
N/A.
Default/Penalty Margin:
0
Default/Penalty APR Floor:
Maximum Default APR:
N/A
Penalty/Default Trigger:
Credit Card Fee Information
Annual Fee:
None
Foreign Transaction Fee:
2%
Late Fee:
$25 max.. An amount equal to past due payment or $25.00, whichever is less
Over-the-limit Fee:
N/A
Balance Transfer Fee:
Cash Advance Fee:
3% ($4 min. - $50 max.)
Rebates/Notes
Rebate Description:
Earn points for purchases
Special Notes:
Consumer friendly credit card with a great low rate of 9.25% and save on interest charges. No balance transfer fees and no annual fee.
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