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Simmons Bank Visa® Platinum Rewards


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Your Rating:

2.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!

  • Regular Purchase APR 9.50% (Variable)
  • Intro Purchase APR No intro APR
  • Intro BT APR N/A
  • Annual Fees None
  • Credit Needed N/A

Card Details


  • Click "APPLY NOW" to apply online
  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 9.50% variable standard purchase APR and platinum benefits
  • No balance transfer fee for balances transferred in response to this online offer
  • Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
  • 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
  • No Annual Fee

Card Fees

Late Payment Fees See Terms*

Cash Advance Fee See Terms*

Returned Payment Fee $25

Minimum Interest Charge N/A

Ongoing Information

Rewards Cap No Cap

Annual Fee None

Grace Period 25 Days

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance Yes

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance Yes

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

Although this Simmons card requires excellent credit, unlike many other Simmons products tailored to people with less than stellar credit, it comes with some appropriate perks like travel rewards, no annual fee, and a competitively low interest rate.

Cardholders earn one bonus travel reward dollar for every dollar they spend, and they only pay 9.50% on purchases as well as balance transfers. Travel rewards can be redeemed for travel, gift cards, hotel stays, and other benefits – and you can start cashing in rewards once you accumulate at least 10,000.

They transfer at a rate that equals approximately $100 per 10,000 or one percent, and there are no blackout dates or seating restrictions. You can also redeem points for gift certificates, hotel stays, vacation packages and cruises. You can use rewards to pay for a whole ticket or a portion of one, too, and with the low APR it’s possible to reduce high interest debt carried on other cards.

Expert Reviews of the Simmons Bank Visa® Platinum Rewards

  • 2.0

    Regular APR

  • 2.0

    Intro APR

  • 2.0


  • 2.0


  • star rating 2.5/5

    Overall Rating

The Bottom Line

This is a pretty standard travel rewards card but what elevates it above other cards is the single-digit interest rate on transfers and purchases and no annual fee. Plus rewards can be used for travel without blackout dates or other annoying limitations, or can be used to receive other valuable perks like gift cards or hotel stays. The card does, however, require that you have excellent credit.

The Good

There is no annual fee, a low interest rate, and you earn a reward point for every dollar you spend.

The Not so Good

You have to qualify with excellent credit, plus as travel cards go there are others that offer more robust rewards earning programs.

Editorial Note: This content is not provided by . Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by .

Consumer Reviews

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+-1 users submitted a rating without a full review

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2 Found this review helpful

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By: | Sep 22, 2014

I have tried to collect on my "Reward Points" multiple times. There rewards website NEVER works! The card is a respectible bysides this, but I've wasted hours over the years trying to get value for my POINTS. If you want "points" or rewards forget about this card...

1 Found this review helpful

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By: | Sep 22, 2014

I would love to get one for everyone in my family.

2 Found this review helpful

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By: | Sep 22, 2014

Don't even bother to apply for this card, even if you have a Excellent of score above 812 they will ask you to provide income for verified before approval. this Simmons First Bank asking too much from consumer. don't waist you time for this Simmons First Bank.

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