Few credit cards provide a variety of benefits and features and a low rate. However, that is what you might find with the Simmons First Visa Platinum Rewards credit card. While many people use cards for emergencies, this one could do so much more.
Credit cards should provide you with convenience as well as freedom; that is their basic function, after all. The Simmons First Visa Platinum Rewards credit card brings you exactly these things, combining a handful of the most popular features with a remarkably low interest rate.
Of course, the first thing that you will probably look at when considering a new credit card, is the annual percentage rate. Well, the Simmons First Visa Platinum Rewards credit card, from Simmons First National Bank, has one of the best variable rates that you will find among cards that are currently available on the market.
Now, you will need excellent credit to qualify for it, but when you do you will also appreciate that this card has no annual fee as well. Right away you can see how quickly and easily you can save money.
As with most credit cards these days, the Simmons First issued card offers a rewards program that can provide you with many different incentives. You get one point for every dollar you spend, which you can then use for a variety of products and services:
- Choose from any airline with no blackout dates, no seat restrictions, no class restrictions, and regardless of where and how you prefer to travel
- Travel options like hotel, cruise, vacation packages, car rental needs, and restaurants
- Toll-free, one-stop redemption processing of your points
If you do like to travel, you should be aware that using your Simmons First Visa Platinum Rewards card can afford you extra bonuses. These particular incentives focus on the things you might need on your trip.
- Automatic free enrollment in emergency travel accident insurance
- Up to one million dollars in travel accident insurance coverage
- Car rental loss/damage waiver that pays you cash value on most rental cars in the event that you are in an accident while on vacation
Many people like to carry credit cards just in case they need them in the event of an emergency. You are already aware of the method by which this Platinum Rewards credit card can help you during an emergency while on vacation, but you can also get emergency assistance with this card while you are at home.
Even if your card is lost or stolen, you can still get emergency cash, no matter where you are in the world at any financial institution that will honor the Visa symbol. That can make a world of difference in the end.
Like most credit cards, you need to apply for the Simmons First Visa Platinum Rewards card and be approved before you can carry it. You need to be at least 18 years old and live in the United States if you want to apply for this card. Once you are approved, though, you will enjoy several of the most attractive benefits that are currently available on the market:
- Low annual percentage rate
- Competitive balance transfer rate
- Lower than average rate for cash advances
- Get cash from ATMs all over the world
- 25 day interest free period when you pay your balance in full every month
- No annual fee
- No balance transfer fee
- Low cash advance fee
- Low foreign exchange fee
As you can see, it is very easy to save money with a card that does not charge you a lot for the things that you need. With traditional fees that are much lower than most regular cards or completely non-existent at all, you will be able to keep more of your money in your own pocket. Keep in mind, too, that many benefits are only available under certain terms that are reasonable, yet restrictive.
Obviously, the Simmons First Visa Platinum Rewards card can provide you with many convenient benefits and features. This includes exclusive incentive rewards and a host of savings that you will likely not find among any other competing financial products.