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Simmons Rewards Visa Signature® Review


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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 11.75% 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 Nov 1, 2019

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

RewardsBonus RewardsAnnual Fee
1.25 points per net dollar spentNoneNone

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
Bonus Rewards
Annual Fee
1.25 points per net dollar spent
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®
2 Miles per dollar on every purchase, every day.
50,000 Miles once you spend $3,000 on purchases within 3 months from account opening
$0 intro for first year; $95 after that
Earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours. Earn 3X Membership Rewards® points at restaurants worldwide.
Earn 30,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months. Receive up to $100 in statement credits towards any eligible purchase made directly with Away in your first 3 months. Offer ends 1/15/2020.
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Terms and Limitations Apply
2 points for every $1 spent on travel and dining purchases. 1.5 points per $1 spent on all other purchases.
50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening.

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