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Simmons First Visa Platinum Rewards Credit Card

Simmons First Visa® Platinum Rewards

- Excellent credit required - applicants that do not have excellent credit will not be approved
- Low 9.25% standard purchase APR and platinum benefits
- Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
- Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants

(5.0 out of 5.0)

Information - Rates - Fees

Intro APR:

N/A*

Intro Period:

N/A*

APR:

9.25%*

Annual Fee:

$0*

Issuer:

Simmons First Bank

Card Network:

VISA®

Card Category:

Consumer (Premium)

Card Type:

Low Interest Credit Card
Reward Card

Credit Needed:

Excellent*

Grace Period:

25 days*

Min Finance Charge:

0.50%

Late Payment Fee:

$29.00*

Over Limit Fee:

$29.00

Balance Transfers

Balance Transfer:

Yes

Transfer Fee (%):

0.00%

Cash Advances

APR on Cash Advances (%):

12.95%

Cash Advance Fee (%):

3.00%

Minimum Fee:

$4.00

Maximum Fee:

$50.00

Other Fees

Additional Fees

Convenience Check: 12.95%
Penalty Rate: 16.95%*

Review by CreditCardsBay™

The Simmons First Visa Rewards platinum credit card is reserved for consumer or personal use. Applicants with an excellent score stand a higher chance to gain acceptance. An important feature of this card asides its rewards program, and platinum benefits is its' low fixed APR. This rate covers purchase transactions making it easier to plan expenses, and balance repayment if you don’t pay in full.

On the rewards program you'll earn a point on every dollar spent. As you spend and earn points more reward options become available. Air travel benefits come with no seat restrictions and blackout dates.

No annual fee is charged.

Travel Accident Insurance, Emergency Cash and Card replacement, and Car Rental Loss/Damage Waiver.

Features

Most attractive:

- Free rewards program
- No annual fee
- Platinum Card coverage
- Low fixed APR for Purchases
- No fee Balance Transfer offer

Least attractive:

- No bonus points
- No introductory offer
- Only Excellent credit holders may apply

Rewards & Benefits

Reward Types:

Travel Reward Cards
Universal Reward Cards

Reward Unit:

Point

Reward per every $1 spent:

1.00

Rewards:

- 1 point per net dollar spent
* The program offers a one-stop process for redemption and is supported by a toll-free service number.

Other Benefits:

- Auto Rental Insurance
- Car rental Loss/Damage waiver
- Travel Accident Insurance
- $1,000,000 VISA Platinum credit card coverage
- Emergency cash replacement
- Emergency card replacement

Online Access:

Yes!

The information provided for Simmons First Visa Platinum Rewards is believed to be accurate at the time of evaluation (Mar 4, 2013). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.