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Don't lose out by paying higher interest elsewhere.

Introductory Balance Transfer Offer from Simmons Bank

Introductory balance transfer offer

As a new Simmons Bank cardholder, you qualify for this special balance transfer opportunity.

0% introductory APR for 12 months on balance transfers completed within 60 days of account opening date. This introductory promotional rate carries a fee of either 5% or $10 of the amount of each balance transfer, whichever is greater.

0% intro APR for 12 months!{89}

Select the offer below and start saving on interest today!

Get intro balance transfer offer


Pay off higher-rate cards using the online transfer form.


We'll transfer your balance.


You'll save on interest, starting right away!

Frequently Asked Questions

Q: How does the offer work?

A: Transfer a balance from a higher-rate credit card to your Simmons Bank Visa Credit Card account and pay it off over time.

Q: Can I pay off other credit cards?

A: Yes! Just transfer those balances online now. Then you'll have to make just one easy payment. Plus, save time with fewer payments to make each month.

Q: How long will it take for the balance transfer to process?

A: Transfers are initiated once submitted. Standard payment processing times of up to 30 days may apply. If your transfer has not posted to the desired account within 15 business days, please contact us at 1-800-272-2102 for research and/or correction.

If you have questions, please call us toll-free now at 1-800-272-2102.

Important information about this offer

If you transfer balances at the promotional rate, any new purchase you make with your card will be charged interest from the date of purchase unless you pay the entire balance (including all promotional rate balances) in full each month, by the payment due date.

SPECIAL NOTICE to customers who pay their entire balance in full each month:

After you use this special offer to transfer a balance or make a purchase, the way you pay interest will change. For example, you transfer a balance of $1,000 with one of our promotional offers. No matter how else this card is used, that $1,000 will have a promotional APR for the promotion duration. Then during the promotion duration you make a $100 purchase with the card. The $100 purchase will incur interest at your regular annual percentage rate (APR) from the date of purchase, unless you pay the entire $1,130 ($1,000 transferred + 3% transfer fee ($30) + $100 purchase) in full by your next payment due date.

Balances transferred with this offer:

  • Are subject to the terms and conditions described in your Cardholder Agreement
  • Are not eligible to earn rewards (if applicable)
  • Cannot be used to pay any other account with us or our affiliates

Check your available credit

Please make sure the total amount of your transferred balance, transactions and fees does not exceed your total available credit line.

  • {89} 0% Promotional APR for 12 months. After the promotional APR ends, you will be charged the standard variable APR for balance transfers on your account. Please refer to your Cardholder Agreement. This APR will vary with the market based on the Prime Rate. The offer must be used within 60 days of account opening for the promotional APR to apply. If you transfer a balance after that date, we may still honor the transfer but you will not receive the promotional APR. Instead, the standard APR for balance transfers will apply. We will begin charging interest on balances transferred with this offer on the date the promotion is processed.