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Our editor's take

Curtis Arnold CardRatings Managing Editor
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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.
Curtis Arnold
Curtis Arnold
CardRatings Editor

Simmons Bank Visa® Platinum Rewards details

Points or Miles
1 point/$1
Bonus Miles or Points
None
Purchase APR
9.25% Variable
Annual Fee
None 
see more details ∨

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 6
 6
 10
APR:
  9.25%
Variable
 9.25% Variable
 13.25% Variable
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 None
 9.25% Variable
 N/A
Intro Period:
 
 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:
None  


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.
Credit Card More Information:

Card Issued By:
 Simmons Bank
General Correspondence Address:
 PO Box 7836
Card Type:
 Visa
Card Class:
 Platinum
Card Category:
 Airlines, Low Interest, Miles/Points, Reward, Travel
States Available In:
 ALL
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.
  • 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.
  • No balance transfer fee for balances transferred in response to this online offer

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About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

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