Review: Simmons Bank Credit Cards

simmons-bankSimmons Bank has operations in Arkansas, Kansas, and Missouri, but it offers its credit cards nationwide. The main selling point of the Simmons credit cards is their low interest rates, among the lowest in the country. Our overview / review of the Simmons Bank credit cards is below:

The first thing to know about Simmons Bank credit cards is that they are not very easy to qualify for. You must have a high credit score. How high? We’re not sure, but everything we’ve ever seen or heard about these cards tells us that you will not be accepted if you’ve got a shaky credit history. If you have missed payments in the past or have a lot of debt on other credit cards right now, it’s unlikely you’re going to get one of these low-interest cards. Sorry.


If your credit is very good, you probably will qualify. Let’s look at the 4 cards you might be interested in:

  • The Simmons Bank Visa Platinum offers a 7.50% interest rate, among the very lowest in our list of Low Interest Credit Cards. There is no annual fee. There is no rewards program, just that great rate. Apply online here.
  • The Simmons Bank Visa Platinum Rewards card offers a points rewards program, in which you get 1 point for every dollar charged to the card. Points can be used toward travel, merchandise, gift cards, cash back, etc. The interest rate on this card is a still-excellent 9.50%, and there is no annual fee. If you have good enough credit to qualify for a Simmons card, you probably don’t carry balances on your card very often, so this card might actually be a better choice than the card above. There’s an online application here.
  • Simmons also offers a Visa Gold credit card, which has a 10.50% interest rate and no annual fee. There doesn’t seem to be a good reason to apply for this card when you could try for the cards above — it’s possible you could be offered this card if your credit isn’t quite good enough for one of the other cards.

See also: Visa Credit Cards, Instant Approval Credit Cards, Simmons Bank Credit Card Payment, Login, and Customer Service Information

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