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Simmons Bank Visa® Platinum Rewards Review

Curtis Arnold Curtis Arnold

Full Review

Curtis Arnold Editor-in-chief
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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.

Simmons Bank Visa® Platinum Rewards details

Points or Miles
One point per net dollar spent
Bonus Miles or Points
Purchase APR
9.25% Variable 
Annual Fee
see more details ∨

Credit Card Rate Information:

  Balance Transfer
  Cash Advance
  9.25% Variable
 9.25% Variable
 13.25% Variable
APR Floor:
Intro Rate:
 9.25% Variable
Intro Period:

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

Credit Card Fee Information:

Annual Fee:
Foreign Transaction Fee:
Late Fee:
(An amount equal to past due payment or $25.00, whichever is less)
Over-the-limit Fee:
Balance Transfer Fee:


Rebate Description:
 Earn points for purchases
Special Notes:
 Consumer friendly credit card with a low 9.25% 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:
Card Class:
Card Category:
 Airlines, Miles/Points, Reward, Travel
States Available In:
Minimum Credit Limit:
Maximum Credit Limit:
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 9.25% 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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