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Simmons Rewards Visa Signature® Review

Excellent

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What Simmons Bank says about this card

Apply online for Simmons Rewards Visa Signature®
  • 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

By Curtis Arnold Editor-in-chief  Updated Dec 26, 2018

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.

Top Features

Rewards
1.25 points per net dollar spent
Bonus Rewards
None
Annual Fee
None

CardRatings Editor's Analysis: 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.

Simmons Rewards Visa Signature® compared to other travel rewards cards

Card Name
Rewards
Bonus Rewards
Annual Fee
Ratings/Apply
1.25 points per net dollar spent
None
None
The Platinum Card® from American Express
Apply online for The Platinum Card® from American Express
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Earn 60,000 Membership Rewards® after you use your new Card to make $5,000 in purchases in your first 3 months.
$550
Apply Now
Terms and Limitations Apply
Chase Sapphire Preferred® Card
Apply online for Chase Sapphire Preferred® Card
2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
$95

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