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About Our Ratings
Credit Needed
Excellent
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.
Rewards
1.25 points per net dollar spent
Regular APR
12.50% variable
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 December 26, 2018
This card compared to other travel rewards cards
Rewards
1.25 points per net dollar spent
Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
Earn 2 miles per $1 spent at restaurants, on hotel stays and on purchases from United. 1 mile per $1 spent on all other purchases
Bonus Rewards
None
Earn up to 50,000 Bonus Points - 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus an additional 25,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening.
Earn 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open
Regular APR
12.50% variable
18.24% - 25.24% Variable
18.24% - 25.24% Variable
CardRatings.com Editorial Staff
Simmons Rewards Visa Signature® details
Balance Transfer Intro APR
12.50%
Balance Transfer Intro Period
N/A
Regular APR
12.50% variable
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 12.50% variable standard purchase APR and platinum benefits
- No balance transfer fee for balances transferred
- Travel Rewards -- cardholders who enroll in the program receive 1.25 points 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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