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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

Rewards
One point per net dollar spent
Bonus Rewards
None
Purchase APR
11.50% (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 page was last updated on February 14, 2018

This card compared to other travel rewards cards

Rewards
One point per net dollar spent
2 Miles per dollar on every purchase, every day.
2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
Bonus Rewards
None
50,000 Miles once you spend $3,000 on purchases within 3 months from account opening
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Purchase APR
11.50% (Variable)
14.24% - 24.24% (Variable) 
17.24% - 24.24% Variable 
Annual Fee
None
$0 intro for first year; $95 after that
$0 Intro for the First Year. Then $95
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
11.50% (Variable) 
Purchase Intro
APR:
N/A
Balance Transfer Intro APR
11.50% (Variable)
Balance Transfer Intro Period
N/A
Annual Fee
None

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 11.50% 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 Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • New! Earn unlimited 10x miles on hotels when you pay with your Venture card at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that
Credit Needed:
Excellent, Good
Apply online for Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed:
Excellent/Good