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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.
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.
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
- 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
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.
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.
Simmons Bank credit cardholders can register additional accounts for which they’re the primary user through the online “Add Account” function.
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.
"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
- 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.
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