Simmons Bank has operations in Arkansas, Kansas, and Missouri, but . The main selling point of the Simmons credit cards is their low interest rates, among the lowest in the country. Our overview / review of the Simmons Bank credit cards is below:
The first thing to know about Simmons Bank credit cards is that they are not very easy to qualify for. You must have a high credit score. How high? We’re not sure, but everything we’ve ever seen or heard about these cards tells us that you will not be accepted if you’ve got a shaky credit history. If you have missed payments in the past or have a lot of debt on other credit cards right now, it’s unlikely you’re going to get one of these low-interest cards. Sorry.
If your credit is very good, you probably will qualify. Let’s look at the 4 cards you might be interested in:
- The Simmons Bank Visa Platinum offers a 7.50% interest rate, among the very lowest in our list of Low Interest Credit Cards. There is no annual fee. There is no rewards program, just that great rate. .
- The Simmons Bank Visa Platinum Rewards card offers a points rewards program, in which you get 1 point for every dollar charged to the card. Points can be used toward travel, merchandise, gift cards, cash back, etc. The interest rate on this card is a still-excellent 9.50%, and there is no annual fee. If you have good enough credit to qualify for a Simmons card, you probably don’t carry balances on your card very often, so this card might actually be a better choice than the card above. There’s .
- Simmons also offers a Visa Gold credit card, which has a 10.50% interest rate and no annual fee. There doesn’t seem to be a good reason to apply for this card when you could try for the cards above — it’s possible you could be offered this card if your credit isn’t quite good enough for one of the other cards.