What is the accepted credit score range for most cards?

Simmons Bank typically accepts good to excellent credit scores. This means you need to have a credit score of 700 or above to secure approval.

How many cards can you own?

Simmons Bank doesn’t specify how many credit cards you can own at a time. Usually, credit card issuers will approve your application for another card when you meet their qualification criteria.

How many times can you apply?

Simmons Bank has no specific rule about the number of times you can apply for a card. Typically, you can apply for two or more credit cards in a short period of time. However, you may end up getting rejected or hurting your credit score the more frequently you apply.

How many times can you get approved?

There’s no rule that specifies how many times you can get approved at Simmons Bank.

How many times can you claim a welcome bonus?

Unfortunately, most of the credit cards from Simmons Bank don’t offer welcome bonuses.

Can you redeem Citi ThankYou Points for cash?

You may redeem your ThankYou points for cash by requesting a check or a direct deposit into your bank account. Redeeming them as statement credit is also an option.

Do Citi ThankYou points expire?

ThankYou points typically don’t expire as long as your credit card account remains open. However, there are a few exceptions. For example, points issued directly from the ThankYou Rewards program (e.g., bank account bonuses) expire three years from the end of the year in which you earn them. Points that have been shared expire within 90 days of you receiving them. And points earned via the Citi Double Cash card expire after two years.

Can you use Citi rewards to pay the balance?

Yes. You may redeem your ThankYou points as a statement credit to reduce or pay off your credit card balance.

What happens to Citi points if you close your account?

If you close your ThankYou account, you lose all the points linked to the account. If you close all the accounts linked to the ThankYou program, Citi may close your ThankYou account.

Can you transfer Citi points to another person?

Yes. You may share your Citi ThankYou points with other ThankYou program members.

Do you lose Citi points if you downgrade?

No. You generally don't lose your Citi ThankYou points if you downgrade — unless that card has a specific expiration policy. However, if you close your card instead, the points do expire, even if you transferred those points to another card.

How to Maximize Citi ThankYou Points

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Simmons Bank offers three personal credit cards and two business credit cards. Its personal credit card line features classic, rewards and foundation cards. Meanwhile, its business credit card line includes rewards and corporate cards. If you’re looking for low interest rates, then Simmons Bank may be a good option for you. Just keep in mind that you need a good to excellent credit score to get your application approved by this issuer.

ON THIS PAGE:

Different Card Offerings from Simmons Bank
Rules for Applying, Acceptance & Welcome Bonuses
Other Considerations for Simmons Bank
Overall Opinion of Simmons Bank & Card Offerings

Featured Credit Cards Offered by Simmons Bank

Simmons Bank offers credit cards for both personal and business customers. When you apply for a card, you can enjoy the lack of annual fees and take advantage of benefits like car rental coverage.

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Other Cards Issued by Simmons Bank

In addition to the featured cards listed above, Simmons Bank offers the following credit cards:

Simmons Bank Foundation Visa: Best for individuals who want to build credit.
Simmons Bank Visa Business Advantage Rewards Card: Best for business owners who want to earn rewards for their business through purchases.
Simmons Bank Visa Corporate Card: Best for business owners who want a card that can help them manage their business better.

The Best Simmons Bank Credit Cards in 2023

Each month, MoneyGeek determines the best Simmons Bank credit cards based on changes made to the rewards, welcome bonuses and other criteria to help you find the right option for your needs.

Simmons Visa®
A fantastic low-interest card that comes with no annual fees
- ExcellentRecommended Credit
- None at this timeAPR Offer
- None at this timeAPR Offer Duration
- 0% Intro APR, then 14.50% – 22.50% Variable APR thereafterBalance Transfer Offer
- 14.50% – 22.50% VariableAPR
We love the Simmons Visa® because it gives people with excellent credit a great no-frills alternative. It comes with an extremely low interest rate and no annual fees for the life of the card.
This card might also work well for you if you wish to use it for transferring a balance from a high-interest card. A 0% APR offer on balance transfers stays in place for the first 12 months.
A complimentary worldwide travel accident cover provides peace of mind when you're traveling locally or overseas.
Pros
No annual fees
0% APR offer on balance transfers for 12 months
Low ongoing APR on purchases and balance transfers
Highly competitive APR on cash advances
Car rental and travel cover
No balance transfer fees after the intro period

Cons
Cash advance fees
Foreign transaction fees
Balance transfer fees during the first 12 months
Low interest rate
No annual fees
0% interest on balance transfers for the first 12 months
Car rental coverage
Up to $1,000,000 in travel accident insurance
Cash advance and foreign transaction fees apply
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply

More: Read Our Full Review of Simmons Visa®

Simmons Rewards Visa Signature®
A great no annual fee card that offers rewards and travel benefits
- ExcellentRecommended Credit
- $0Annual Fee
- 1.25 Points per $1Rewards Rate
- 1.25xRewards Rate on Groceries
- 1.25xRewards Rate on Gas
We love the Simmons Rewards Visa Signature® card because of its relatively low interest rates on purchases, balance transfers and cash advances.
Meant for people with excellent credit, this card gives you the ability to earn 1.25 reward points for every dollar you spend.
A 0% intro APR offer on balance transfers gives you easy means to save some money while paying off other high-interest credit card debt.
If you find yourself in a tight spot while traveling, you might benefit from the travel assistance and travel coverage this card provides.
Pros
Low interest on purchases and balance transfers
No annual fees
Competitive cash advance rate
Intro 0% APR offer on balance transfers for the first 12 months
No balance transfer fees after the promotional period
Earn 1.25 points for every dollar spent on purchases
Reward points for cash back, merchandise, airfare or vacations
Travel and car rental coverage
Visa Signature perks

Cons
Cash advance fees
Foreign transaction fees
Balance transfer fees during introductory period
Low interest rate
$0 annual fee
Intro 0% APR offer on balance transfers stays in effect for 12 months from account opening, then a variable APR of 16.50% – 24.50% thereafter
Earn 1.25 reward points per $1 spent
Redeem reward points as cash back, or use them to pay for merchandise, gift cards, car rentals, vacations or airfare
Car rental coverage
Travel accident insurance of up to $1,000,000
Get access to access to complimentary 24-hour Visa Signature concierge, exclusive hotels and special entertainment packages
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply

More: Read Our Full Review of Simmons Rewards Visa Signature®

Rules for Applying, Acceptance & Welcome Bonuses

Before applying for a Simmons Bank credit card, you should understand the issuer’s application rules and processes. MoneyGeek answered some frequently asked questions about Simmons Bank credit cards to give you the best chance for approval.

Other Considerations About Simmons Bank

There are certain factors to consider when looking for the best credit card for your needs. The table below breaks down some of the criteria you should review when choosing a card from Simmons Bank.

Feature	Description
Customer Service & Satisfaction	Simmons Bank cardholders can reach out for help through phone, email or the company’s website. 24-hour customer service representatives are available to assist with any questions or inquiries. In the 2020 U.S. Retail Banking Satisfaction Study from J.D. Power, Simmons Bank ranked third in the South Central category with a score of 847. However, it didn’t rank in the 2021 study.
Mobile Apps & Online Services	Simmons Bank has a mobile app that can be downloaded on iOS and Android. It provides various features that can help you manage your account and stay on top of your finances. The app currently has a 4.8 rating on the Apple App Store and a 4.5 rating on Google Play.
Security & Credit Monitoring Services	Simmons Bank uses advanced technology and security features to protect your personal and financial information. It has chip-enabled cards, digital banking sign-off, biometric identification and two-factor authentication to provide a more secure banking experience. It also has a Card Controls app that lets you monitor activity, receive alerts and lock or unlock your Simmons Bank card.
Loyalty Programs & Other Issuer Perks	The Simmons Bank rewards credit cards earn points that act like cash back when redeemed through its portal to book travel, buy merchandise, or get gift cards. Cardholders can also enjoy Visa Signature perks like access to exclusive hotels and special entertainment packages since Simmons Bank cards are backed by Visa.
Authorized Users	Simmons Bank credit cardholders can register additional accounts for which they’re the primary user through the online “Add Account” function.
Purchase Protection	Simmons Bank offers purchase protection, which covers eligible items from theft or damage for the first 90 days after purchase. You can be reimbursed for a maximum of $10,000 per claim and $50,000 per cardholder. However, this feature only applies to the Simmons Bank Visa Business Advantage Rewards Card.
Co-Branding & Partnerships	Simmons Bank currently has no partnerships with any consumer brands.
Other Products Offered	Aside from credit cards, Simmons Bank also offers personal checking accounts, personal savings accounts, business checking accounts, business saving accounts, personal loans, home loans, business loans and employee insurance packages.

Overall Opinion of Simmons Bank & Their Credit Card Offerings

Simmons Bank credit cards are a solid option for those looking for something practical with no frills and a low ongoing interest rate. Its personal and business credit cards have medium to low interest rates and a $0 annual fee. The Simmons Bank Rewards Visa Signature card is the only card issued by the bank that offers a welcome bonus for new cardholders. Other than its secured card, you'll need a good to excellent credit score to get approved by this issuer.

Due to its limited card range and offerings, Simmons Bank credit cards are best suited for the following:

Individuals who want low interest rates
Simmons Bank’s personal credit card line offers one of the lowest interest rates on the market, making it a good option for those who carry a balance.
Individuals who enjoy the lack of annual fees
Four out of the five credit cards offered by Simmons Bank won’t charge you anything to keep the card.
Individuals who appreciate a simple rewards structure
Using certain Simmons Bank credit cards, you can earn reward points for every dollar you spend and redeem them for cash back, merchandise, airfare and vacations.

EXPERT OPINION

"Simmons Bank offers several credit card options that offer a low ongoing interest rate for instances that you cannot pay off your balance in full each month. There is one business and one personal card that earns rewards, albeit at a lower level than many competing cards. However, its two personal cards provide up to 12 months of interest-free financing on balance transfers that is useful when paying off high-interest debt."

- Lee Huffman, credit card expert at BaldThoughts.com

Still Not Sure About This Issuer? Consider These Options.

If you’re still on the fence about Simmons Bank credit cards, consider other cards in different categories. You may find that a rewards card or a cash back card is more suited for your needs.

Learn More About Credit Cards in General

sources

CloudApp. "Simmons Bank." Accessed February 10, 2022.
J.D. Power. "Retail Banks Face Major Customer Satisfaction Challenge as World Shifts to Digital-Only Engagement, J.D. Power Finds." Accessed January 11, 2022.
Simmons Bank. "Explore business credit cards." Accessed January 11, 2022.
Simmons Bank. "Explore credit cards." Accessed January 11, 2022.
Simmons Bank. "How Simmons Bank protects you." Accessed January 11, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.

Simmons Bank Credit Card Reviews, Rules & Opinions

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