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This platinum credit card gives the benefit of a platinum card with no high fees attached. Cardholders incur a fixed APR that does not change with U.S prime rates. Other benefits and insurance plans are attached to the offer and available to cardholders at no extra cost.


Simmons Bank Visa Platinum
Intro APR  APR Annual Fee 
N/A* 7.50% (V)* $0*
Unfortunately, we do not currently offer online application for this card. See similar cards

Basic Information

Issuer: Simmons First Bank
Card Network: VISA®
Card Category: Consumer (Premium)
Card Type: - Low Interest Credit Card
Credit Needed: Excellent*

Card Review

Prepared by . Opinions expressed therein are solely those of the reviewer.


The Simmons Bank Visa Platinum card charges a low fixed interest rate. It does not have an introductory period or rewards program. It is recommended to have excellent credit to qualify for this card.

No annual fee is charged.

Auto Rental Insurance provides protection in event a rented vehicle is damaged or stolen. Coverage comes at no extra cost to the cardholder and only takes place if payment for the rented vehicle is fully conducted with this Visa Card. Another benefit is Online Banking giving you access to monthly statements you can download. Additional benefits are travel accident insurance (with coverage up to $1 million on common carriers), global acceptance, and emergency cash and card replacement.
Card rating:
(4.9 out of 5) total 110 votes
Most attractive features: - No annual fee
- Additional benefits
- Platinum Card coverage
- Low fixed APR for Purchases
- No fee Balance Transfer offer
Least attractive features: - No rewards program
- Only applicants with Excellent credit will be approved

Rewards & Benefits

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 Card Account Access:

Card Finance & Rates

Introductory APR (%): N/A*
Introductory Period: N/A*
Regular APR (%): 7.50%*
APR Type: variable
Annual Fee: $0*
Grace Period: 25 days*
Minimum Finance Charge: $0.50*
Late Payment Fee: $29.00*
Over Limit Fee: $29.00*

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%): 11.25%
Cash Advance Fee (%): 3.00%
Minimum Fee: $4.00
Maximum Fee: $50.00

Other Fees

Application Fee: $0.00
Additional Fees Convenience Check: 11.25%
Penalty Rate: 15.25%
Transaction Fee for Convenience Checks: 3.00% of the amount, but not less than $4.00 nor more than $50.00

Action

View Other Simmons First Bank Cards
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View Other All Debit and Credit Cards
View Other Balance Transfer Cards
View Other Consumer Cards
View Other No Annual Fee Cards
View Other Premium Cards
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View Other Low Interest Credit Cards


* The information provided for Simmons Bank Visa® Platinum is believed to be accurate at the time of evaluation (Apr 21, 2016). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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