Visa® Classic Credit Card
A Simmons First VISA Classic credit card gives you more than just an emergency expense tool. Take advantage of these features:
Your Simmons First VISA Classic credit card may be used to obtain cash on a 24-hour basis from *Automated Teller Machines (ATMs) worldwide where Visa is accepted. Cash Advances are available at Financial Institutions where Visa credit cards are accepted.
*Automated Teller Machines and Electronic Systems require a Personal Identification Number (PIN). Please select a 4 digit number and indicate it in the space provided on the application. If you do not select a PIN, one will be selected for you.
All cardholders are covered with Travel Accident Insurance. This is an accidental death and dismemberment coverage that applies when common carrier tickets (airline, rail bus, cruise line, etc.) are purchased with your Simmons First VISA Classic credit card. A covered loss occurs as a result of travel on the common carrier. This feature is provided at no additional cost to the cardholder.
Car Rental Loss/Damage Waiver
(covering collision, theft and vandalism)
VISA Auto Rental Insurance provides coverage for damage due to collision or theft up to the actual cash value of most rental cars when certain terms and conditions are met. The cardholder must initiate and complete the entire rental transaction with a covered *VISA credit card and decline the auto rental company's collision damage waiver (CDW/LDW) option, or similar provision if offered by the auto rental company. Auto Rental Insurance is available worldwide on a 24-hour basis unless precluded by law or in violation of the territory terms of the rental agreement. Other restrictions, limitations and exclusions may apply.
*Services offered to VISA Classic, Visa Gold & Visa Platinum credit cardholders only.
VISA Classic credit card coverage is $150,000
|Credit Target||Type||Annual Fee||BT Intro APR||Purchase Intro APR||Regular APR||Rewards|
This Visa offer is issued by Simmons First National Bank. This card is intended for consumers, or "personal use" with a good to perfect credit history. APR's may vary among applicants, however the lowest standard APR is 10.25%* (Variable)*.
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*
This is not a rewards card.
Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 726 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 First National Bank product.
The grace period listed for the Visa® Classic Credit Card is at least 25 days*. So interest charges will not be applied for new purchases during this time. 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.
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.
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 726, then your chance of approval may be even greater.
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.
There are no reviews. If you have experience, you can write one now.