Updated: July 26, 2024
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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.
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.
| Credit Card | MoneyGeek Rating | About | Rewards Rate | Annual Fee | Credit Needed |
|---|---|---|---|---|---|
| A fantastic low-interest card that comes with no annual fees | N/A | $0 | 740-850 (Excellent) | ||
| A great no annual fee card that offers rewards and travel benefits | Earn 1.25 points Earn 1.25 Rewards points for every dollar spent. | $0 | 740-850 (Excellent) |
In addition to the featured cards listed above, Simmons Bank offers the following credit cards:
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.
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.
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.
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.
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.
There’s no rule that specifies how many times you can get approved at Simmons Bank.
Unfortunately, most of the credit cards from Simmons Bank don’t offer welcome bonuses.
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. |
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.
"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
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.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
