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Simmons Rewards Visa Signature®

Simmons Rewards Visa Signature® Review

Excellent

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What Simmons Bank says about this card

Simmons Rewards Visa Signature®
  • Created for those with EXCELLENT CREDIT and approval is based on your credit rating and application review.
  • Low 10.25% 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

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
Rewards
Bonus Rewards
Annual Fee
Ratings/Apply
1.25 points per net dollar spent
None
None
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. Earn 1 AAdvantage® mile per $1 spent on other purchases.
Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
$99, waived for first 12 months
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
$99, waived for first 12 months
3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
Earn 50,000 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®
$550
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases
Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening.
$0

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