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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 Visa

Simmons Bank Foundation credit card

By The Numbers:


Variable APR{188}


Annual Fee{188}, $39 late fees may apply


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 uses funds 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. 

Enroll in eStatements or receive a quarterly Paper Statement with no fee.

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
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At Your Service

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

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Build Your Credit

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

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Improve Credit Score

Improve your credit score with the three major credit bureaus.

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Global Acceptance

Use your card anywhere VISA is accepted for purchases, 24-hour cash from ATMs and cash advances.{15}

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Travel Coverage

Get up to $1,000,000 travel accident insurance at no additional cost.{22}

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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:​
  • {188} Read the Credit Card Agreement for Prospective Customers. Subject to Credit Approval. Annual Percentage Rate (APR) is current as of March 30, 2021. APR may vary. Variable rate APR is 19.99% (Wall Street Journal Prime Rate + 16.74% per annum.) $25 Annual Fee, $39 late fee may apply. Credit line minimum $300 to $5,000 maximum. Cash advance fee: 3% of amount of each cash advance, but not less than $4. Foreign transaction fee: 2% of each purchase transaction. Certain terms, conditions and exclusions apply. In order for Card Benefits coverage to apply you must use your covered Visa Card to secure transactions. Please refer to your Guide to Benefits for further details. To use Travel/Emergency Assistance services call our toll-free 24-hour Benefit Administrator at 1-800-VISA-911. Outside of the U.S., call collect at 303-967-1096.

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