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Consumer (Premium) Card Offer from Simmons First Bank.

Basic Information

  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.50% variable standard purchase APR and platinum benefits No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point 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 restaurants
  • No Annual Fee

N/A* Intro APR

N/A*Intro APR Period

Excellent*Credit Needed

25 days*Grace Period

$29.00*Late Payment Fee

APR: 9.50%* Variable
Card Network:VISA®
Card Type:- Low Interest Credit Card
- Reward Card

Card Review

Product Rating:
Ratings (5 out of 5)

The Simmons Bank Visa Platinum Rewards is the ideal credit card for consumers who like to plan ahead. The card charges a low and fixed interest rate APR leaving it to you to consolidate expenses or make use of credit only for emergency purposes. Either one chosen, you'll always have a credit card that guarantees the minimum benefit of a platinum rewards card.

No annual fee is charged.

Cardholders who enroll into the travel rewards program will earn one point on every dollar spent. Reward options are mostly travel related with hotels, cruises, restaurant, car rental, and air travel benefits on US airlines. Redeeming points for air travel comes with no blackout dates and seat restrictions. Redeeming cardholders also have choice of ticket class.

Additional card benefits include travel insurance, emergency cash and card replacement, car rental loss/damage waiver, and global acceptance in over 200 countries.

The review is prepared by staff. Opinions expressed therein are solely those of the reviewer.

Rewards & Benefits

Reward Types:- Travel Reward Cards
- Universal Reward Cards
Rewards:- 1 point per net dollar spent
* The program offers a one-stop process for redemption and is supported by a toll-free service number.
Other Benefits:- Auto Rental Insurance
- Car rental Loss/Damage waiver
- Travel Accident Insurance
- $1,000,000 VISA Platinum credit card coverage
- Emergency cash replacement
- Emergency card replacement
Credit Reporting:Yes

Card Finance & Rates

Introductory APR:N/A*
Introductory Period:N/A*
APR on Purchases: 9.50%* Variable
Annual Fee:$0*

Balance Transfers

Balance Transfer:Yes*
Transfer Fee:0.00%

Cash Advances

APR on Cash Advances:12.95%
Cash Advance Fee:3.00%
Minimum Fee:$4.00
Maximum Fee:$50.00

Other Fees

Additional Fees: Convenience Check: 12.95%
Penalty Rate: 16.95%*


The information provided for the Simmons Bank Visa® Platinum Rewards is considered to be accurate at the time of posting (Apr 21, 2016). However, we strongly advise site visitors to check the terms and conditions applicable to the product on the card issuers application page prior to completing an application.

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