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Building credit starts with a strong foundation.

The Simmons Bank Foundation Visa® credit card is designed to help establish and strengthen your credit.

Simmons Bank Foundation credit card

By the numbers:

  • $0

    Annual fee{188}

  • Includes

    28.24% Variable Purchase APR{188}

  • Includes

    29.24% Cash Advance Rate

  • Includes

    Credit line $300 minimum to $5,000 maximum{188}

Ready to build your credit?

The first step on your credit journey is important. It's also simple with the Simmons Bank Foundation Visa credit card. 

The Simmons Bank Foundation Visa credit card has a credit limit between $300 minimum and $5,000 maximum secured by your interest-bearing Foundation Secured Savings Account. 

Withdrawals from the Foundation Secured Savings Account are not allowed while the Foundation Visa account is active. 

Simmons Bank Foundation logo

Benefits with your Foundation Secured Savings Account:

  • No monthly service charge
  • Earns interest on the entire daily collected balance between $0–$2,499 and $2,500–$5,000
At your service

24-hour customer service representatives are always there to help.

Build your credit

A secured credit card designed to help establish, strengthen or rebuild credit.

Improve credit score

Improve your credit score with the three major credit bureaus.

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.{22}

Car rental coverage

Get coverage for damage due to collision or theft up to the actual cash value of most rental cars.{22}

Ready to apply?

Applying for a Simmons Bank credit card is simple. Before you apply with a Simmons Bank associate, you’ll need to gather a few things:​

  • Basic Financial Information
  • Social Security Number
  • Employer Information
  • {188} Annual Percentage Rate (APR) accurate as of January 31, 2024. All APRs are variable. Account subject to credit approval. Variable APR of 28.24%. Cash Advance APR of 29.24%. Cash Advance Fee is the greater of $4 or 3% of the transaction amount. Foreign Transaction Fee of 2% of each transaction, in US Dollars. See the Credit Card Agreement for account terms.

  • {159} To request a copy of credit card agreements and disclosures, please call 1-800-272-2102 or fill out the Credit Card contact form.

  • {22} Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for Simmons Visa or Guide to Benefits for Simmons Rewards Visa Signature for further details. Not a Deposit | Not FDIC Insured | Not Insured by any Federal Government Agency | May Lose Value | Not Bank Guaranteed