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Reward yourself.

The Simmons Rewards Visa Signature® credit card lets you earn points every time you spend and redeem them for cash, airfare, travel packages, gift cards and more.

Rewards credit card

By the numbers:

$0

Annual fee{15}

Includes

0% Intro APR for 12 billing cycles on balance transfers completed within 60 days of account opening. After that, 13.75% to 21.75% APR variable.{80}

Includes

13.75% to 21.75% Variable Purchase APR{15}

1.25

Rewards points for every dollar spent{15}

Includes

Spend $3,000 in purchases during the first 3 months to earn 30,000 Bonus Rewards Points{198}

Car rental coverage

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

At your service

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

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}

Signature perks

Visa Signature® cardholders receive valuable perks like access to exclusive hotels, complimentary 24-hour Visa Signature concierge{42} and special entertainment packages.

Ready to apply?

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

  • Basic Financial Information
  • Social Security Number
  • Employer Information
  • {15} Annual Percentage Rate (APR) accurate as of June 16, 2022. Actual rate offered dependent on applicant's creditworthiness. Account subject to credit approval. See the Summary of Rates and Terms - Simmons Rewards Visa Signature for account pricing and details and the Credit Card Agreement for account terms. 1.25 Rewards Points are earned for every $1 of net purchases on the account. Purchases exclude cash advances, balance transfers and fees. Net purchases is the sum of posted purchases less returns and refunds. Certain restrictions, limitations, and exclusions may apply. See the Simmons Bank Rewards Program’s Terms and Conditions for details.

  • {80} 0% Intro APR for 12 billing cycles on balance transfers completed within 60 days of account opening date. This introductory promotional rate carries a fee of either $10 or 3% of the amount of each balance transfer, whichever is greater. After the promotional period, the purchase APR will apply.

  • {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.

  • {198} Available for new cardmembers only; existing and former cardmembers are not eligible. To qualify, $3,000 or more of net purchases must post to your account during the first 93 days after account opening. Purchases exclude cash advances, balance transfers and fees. Net purchases is the sum of posted purchases less returns and refunds. Rewards will be given one to two billing cycles after qualifying.

  • {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

  • {42} Simmons Visa Signature cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders' behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at www.visasignatureconcierge.com.