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Apply online for Simmons Bank Visa® Platinum Rewards
About Our Ratings
Credit Needed
Excellent

Simmons Bank Visa® Platinum Rewards Review

Pros & Cons

  • There’s no balance transfer fee with this card, so it’s a great option to have on hand for larger purchase you can’t pay down right away.
  • There’s no annual fee on this card, so it’s not a bad one to have on hand in case you need to make that balance transfer at some point.

Top Features

Points or Miles
One point per net dollar spent
Bonus Miles or Points
None
Purchase APR
9.50% (Variable)
Annual Fee
None

Full Review

Curtis Arnold Editor-in-chief
The 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.

This card compared to other reward points cards

Points or Miles
One point per net dollar spent
Get up to 5 Starpoints(R) for each dollar of eligible purchases at participating SPG(R) hotels - that's 2 Starpoints for which you may be eligible as a Card Member in addition to the 2 or 3 Starpoints for which you may be eligible as an SPG member. Get 1 Starpoint for all other purchases.
2X miles/$1 spent on travel and dining; 1X mile/$1 spent on all other purchases. Get 5% miles back to use toward your next redemption, every time you redeem
Bonus Miles or Points
None
20,000 bonus miles after you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
Purchase APR
9.50% (Variable)
15.49%-19.49% Variable 
16.24%, 20.24% or 24.24%* Variable 
Annual fees
None
$0 introductory annual fee for the first year, then $95.
$0
Rates and Fees
This card is best for consumers with excellent credit who occasionally carry a balance, but still want to earn rewards. This card offers Visa rewards, so it does not have as robust rewards program as most airline cards do.
CardRatings.com Editorial Staff

Simmons Bank Visa® Platinum Rewards details

Purchase APR
9.50% (Variable) 
Purchase Intro
APR:
None
Balance Transfer Intro APR
9.50% (Variable)
Balance Transfer Intro Period
N/A
Annual Fee
None
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 6
 6
 10
APR:
  9.50% (Variable)
 9.50% (Fixed)
 13.25% Fixed
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 None
 9.50% (Variable)
 N/A
Intro Period:
 N/A
 N/A
 N/A


Finance Calculation Method:
 Daily Balance
Default/Penalty APR:
 N/A
Default/Penalty Margin:
 0
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 2%
Late Fee:
 $25
(An amount equal to past due payment or $25.00, whichever is less)
Over-the-limit Fee:
 N/A
Balance Transfer Fee:
No balance transfer fee  


Notes:

Rebate Description:
 Earn points for purchases
Special Notes:
 Consumer friendly credit card with a low 9.50% variable standard purchase APR and platinum benefits. No balance transfer fee and no annual fee.
Credit Card More Information:

Card Issued By:
 Simmons Bank
General Correspondence Address:
 PO Box 7836
Card Type:
 Visa
Card Class:
 Platinum
Card Category:
 Low Interest, Travel Rewards, Primary Category Cards - Reward Points
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 N/A
Credit Limit Notes:
 

What Simmons Bank says about this card

  • Created for those with EXCELLENT CREDIT and approval is based on your credit rating and application review.
  • Low 9.50% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred
  • Travel Rewards -- cardholders who enroll in the program receive one point 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 gift cards.
  • No Annual Fee

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Apply online for Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

  • Get 25,000 bonus Starpoints(R) after you use your new Card to make $3,000 in purchases within the first 3 months.
  • No Foreign Transaction Fees on international purchases.
  • Receive free in-room, premium internet access. Booking requirements apply.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • Get free nights at over 1,200 hotels and resorts in nearly 100 countries with no blackout dates. Some hotels may have mandatory service and resort charges.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Conditions apply.
Credit Needed:
Excellent
Apply online for Barclaycard Arrival™ World MasterCard®

Barclaycard Arrival™ World MasterCard®

  • Earn 20,000 bonus miles after you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
  • Earn 2X miles on travel & dining and 1X miles on all other purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
  • Complimentary online FICO(R) Credit Score access for Barclaycard Arrival cardmembers
Credit Needed:
Excellent/Good

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