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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

  •     ✍    

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
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
3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases. Terms and limitations apply.
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
Earn 15,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.
Purchase APR
9.50% (Variable)
16.24%, 20.24% or 24.24%* Variable 
13.24% - 22.24% Variable 
Annual fees
None
$0
$95
Rates and Fees
This card is for people 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

Points or Miles
One point per net dollar spent
Bonus Miles or Points
None
Purchase Intro
APR:
None
Purchase APR
9.50% (Variable) 
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% (Variable)
 13.25% Variable
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:
None  


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:
 Travel, Travel Rewards, Primary Category Cards - Reward Points, Airline Rewards, Low Interest, Miles/Points, Airlines, Low Ongoing Rate
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 Premier Rewards Gold Card from American Express®

Premier Rewards Gold Card from American Express®

  • Receive 25,000 Membership Rewards(R) Points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and US supermarkets. 1X points on other purchases. Terms and limitations apply.
  • No matter where you're traveling, when you use your Premier Rewards Gold Card there are no foreign transaction fees from American Express.
  • $100 Airline Fee Credit. Up to $100 a year in baggage fees and more at one airline.
  • With The Hotel Collection, you can get up to a $75 hotel credit on qualifying charges, plus a room upgrade at check-in if it's available, when you book a stay of at least two consecutive nights.
  • There is a $0 introductory annual fee for the first year, then $195.
  • Terms and limitations apply.
Credit Needed:
Excellent
Apply online for BankAmericard Travel Rewards® Credit Card

BankAmericard Travel Rewards® Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit toward travel purchases
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Now with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 15.24% - 23.24% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America(R) checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% or more. Click "Apply Now" to learn more about Preferred Rewards.
Credit Needed:
Excellent/Good

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