Simmons Bank Visa® Platinum Rewards

No annual fee, low APRs, and attractive rewards for excellent credit holders

Updated: Sep 17, 2021

Advertiser Disclosure

The Simmons Bank Visa Platinum Rewards credit card offers an opportunity to consumers who are interested in a fixed APR that awards travel benefits with frequent purchasing. Cardholders do not incur an annual fee yet have so much to gain from. The card is issued by Simmons First National Bank.




11.75% Variable



260 User Ratings

Simmons Bank Visa® Platinum Rewards

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Introductory APR


Intro APR Period

12 months on BT

Recommended Credit Score


Key Features

  • Excellent Credit Required - Applicants that do not have excellent credit will not be approved
  • Low 11.75% variable standard purchase APR and platinum benefits
  • 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

Our Take

The Simmons Bank Visa Platinum Rewards credit card charges a low and fixed APR.

Once accepted you’ll start to earn a point on every dollar spent. These points will continue to accumulate allowing you to redeem for various rewards once the right amount of points are gathered. Rewards include air travel benefits with any US airline and discounted purchasing at hotels, restaurants, cruises, car rental, and vacation packages. When redeeming points for air travel you can choose a ticket class with no seat restrictions or blackout dates. This card does not charge an annual fee.

As platinum credit card cardholders enjoy benefits such as travel accident insurance, emergency card replacement, lost or stolen card reporting, and auto rental insurance.

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Basic Information
Issuer: Simmons First Bank
Network: VISA®
Category: Consumer (Premium)
Best Used For:
  • Low Interest Rate
Rewards: Yes
Reward Types:
  • Travel Rewards
  • Universal Rewards
Reward Units: Point
Rates & Fees
Introductory APR (%): 0%
Applied Towards: N/A
Intro Period: 12 months on BT
Regular APR: 11.75%
Regular APR Type: Variable
Annual Fee: $0
Balance Transfer: Yes
APR on Cash Advances: 15.75%
Grace Period: 25 days
Late Payment Fee: $29
Other Fees:
  • Foreign Transaction Fee: 2%
  • Convenience Check: 12.95%
  • Penalty Rate: 16.95%*

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Non-Affiliate Offer Disclosure
*The information provided for Simmons Bank Visa® Platinum Rewards is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

Simmons Bank Visa® Platinum Rewards

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Simmons Bank Visa® Platinum Rewards

Simmons Bank Visa® Platinum Rewards

Rec. Credit Score: Excellent

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