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Named Best Low Interest Credit Card of 2020 By

The Simmons Visa® credit card. Don't lose out by paying higher interest elsewhere.

Simmons Visa®

Visa credit card

By The Numbers:


Variable APR{14}


Annual Fee{14}


Intro APR on Balance Transfers for 12 Months{80}

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Global Acceptance

Use your card anywhere VISA is accepted for purchases, 24-hour cash from ATMs and cash advances.{14} {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}

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At Your Service

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

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:​
  • {14} Read the Credit Card Agreement for Prospective Customers and Simmons Visa Card Disclosures and Notes. Annual Percentage Rate (APR) of 8.25% is current as of March 15, 2020. APR may vary. Variable rate APR is Wall Street Journal Prime Rate + 5.00% per annum. Cash advance fee: 3% of amount of each cash advance, but not less than $4. Foreign transaction fee: 2% of each purchase transaction.

  • {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.

  • {80} 0% Intro APR for 12 months 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.
  • {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.