Simmons Visa®


This featured offer was noticed by Finance Globe staff to be unique and offer special benefit to cardholders.
  • Global Acceptance - Use your card anywhere VISA is accepted for purchases, 24-hour cash from ATMs and cash advances.*
  • Travel Coverage - Get up to $1,000,000 travel accident insurance at no additional cost*
  • Car Rental Coverage - Get coverage for damage due to collision or theft up to the actual cash value of most rental cars.*
  • At Your Service - 24-hour customer service representatives are always there to help.
  • No balance transfer fee*
  • No Annual Fee*
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit Personal $0 None N/A* 7.50% (Variable) None


Quick Summary:
This Visa offer is issued by Simmons Bank. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 10.25%* (Variable)*.

Important Rates:
There is no annual fee for this card.*

Rewards:
This is not a rewards card.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO credit score of 780 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Simmons Bank product.

Other Basics:
The grace period listed for the Simmons Visa® is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment (subject to available credit).

Our Editor's Commentary:
Do you have excellent credit? If so, the $cardName credit card is a solid offer worth a second look.

There is no annual fee or balance transfer fee. Better yet, it comes with a low APR of 7.50% (Variable). Combine this with other platinum benefits and you have a winner.

Approval Rate:
There were 3 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 67% of those applicants were approved.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 780, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 50% of 2 users recommend this card.

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