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^{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.

^{219} Earn a $25 statement credit when you spend $1,000 or more in net qualifying purchases at qualifying retailers on your Simmons Visa® credit card between March 4, 2024 and May 6, 2024. Net qualifying purchases are purchases made at a qualifying retailer; excludes cash advances, balance transfers and fees; and is the sum of posted purchases less returns and refunds. Simmons Bank reserves the right, at its sole discretion and at any time, to include or exclude certain types of transactions from the meaning of qualifying purchases. Qualifying retailers are retailers Simmons Bank has grouped into the categories identified above. The credit will post to the account one to two billing cycles after qualifying. The credit will not be posted to an account if the account is not open and current on the billing cycle closing date of the statement cycle the credit would otherwise post.

^{218} Merchants are assigned a merchant code, which is determined by the merchant or its processor in accordance with standard industry practices. This code is typically assigned based on the line of business, the type of products and/or the services primarily sold or provided by the merchant. We’ve grouped merchant codes into categories for the purpose of making this offer to you and have made every effort to include all relevant merchant codes. However, some merchants and purchases you expect should qualify may not. Even if you purchase items at a merchant that appears to fit in the rewards categories, the merchant may not have an assigned merchant code in that rewards category. When this occurs, transactions made with that merchant will not qualify for rewards towards that category.