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Simmons Rewards Visa Signature®

Credit needed
Good/Excellent
APR
Variable: 10.25%
Annual Fee
$0

Card Summary

Simmons Rewards Visa Signature Card is a reward credit card which earns you points for every purchase. You will receive 1.25 points for every dollar you spend.

The card has a $0 annual cost and comes with benefits such as car rental insurance, travel accident insurance, and more.

The Best Features Reward: 1.25 points for every dollar earned by the Simmons Rewards Visa Signature Card.

Annual fee: There is a $0 fee for the Simmons Rewards Visa Signature.

Balance transfer intro APR: The card provides a 12-month promotion at 0% APR for balance transfers that are made within the first 60 days after opening an account. The variable APR is 10.25% after that.

Balance transfer fees are waived after 60-days: This card does not charge a balance transfer fee. It charges $10/3% on all transactions made after opening the account. After that, there is a $0 fee.

Drawbacks

There is no introductory rate for purchases.
The Simmons Rewards Visa Signature does offer a introductory APR for balance transfers but not the same promo for purchases.
Purchases have an APR of 10.25% Variable.

Card Summary - Cons

Rates and fees

Issuer Name
Simmons Bank
Penalty APR
N/A
Credit Needed
Good/Excellent
Balance Transfer Fee
N/A
Annual Fee
$0
Cash Advance Fee
Cash advances are subject to a 3% fee, not less than 4
APR
Variable: 10.25%
Foreign Transaction Fee
Purchase transactions in US Dollars are subject to 2%
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Here’s a smart way to pay off

Simmons Bank

The Best Features

Rewards

Sign up bonus

APR Requirements

Drawbacks

Highlights

There is no annual fee. Earn 1.25 reward points for every dollar you spend. Insurance for Car Rental. We are available 24 hours a day to assist you. International Acceptance. No additional fees for travel accident insurance up to $1,000,000. Visa

Signature cardholders get valuable benefits like exclusive hotels and complimentary 24 hour Visa Signature concierge.

Simmons Rewards Visa Signature Benefits Cardholders of the Simmons Rewards Visa Signature card get benefits such as:

Car rental coverage
Travel accident insurance
Concierge service

Maximizing Rewards

You will receive 1.25 points per dollar you spend on the Simmons Rewards Visa Signature Card.
This card will allow you to maximize your reward potential by simply using it for purchases.

Benefits

Comparative Analysis with Other Cards

Simmons Rewards Visa Signature and USAA Rate Advantage Visa Gold Card

Annual fees: There is no annual fee for either card.

Reward: 1.25 points per $1 earned by the Simmons Rewards Visa Signature Card Rewards are not available for the USAA Rate Advantage Visa Platinum card.

Sign up bonus: No card provides a sign up bonus.

Benefits: Simmons Rewards Visa Signature Card Holders Get Auto Rental Coverage, Concierge Service and Travel Accident Insurance. USAA Rate Advantage Visa Platinum Card Holders get auto rental collision damage waiver, extended warranty coverage, and identity theft coverage.

Simmons Rewards Visa Signature vs. BB&T Spectrum Rewards credit card

Annual fees: Both cards do not have an annual fee.

Reward: The Simmons Rewards Visa Signature Card allows you to earn 1.25 points for every dollar. The BB&T Spectrum cash rewards credit card offers 3% cashback on gasoline, 2% for utilities and groceries, and 1% on any other purchases.

The bonus categories can earn 2% or 3% cashback earnings for the first 1,000 combined purchases per month. After that, 1% is available. Redeem rewards to BB&T savings or checking accounts and you can get 10% cashback

Sign up bonus: No card provides a sign-up incentive.

Benefits: Simmons Rewards Visa Signature Card provides cardholders with auto rental coverage as well as concierge services and travel insurance. The BB&T Spectrum Cash Reward credit card offers zero liability and free VantageScore credit score access.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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No late fees. Reduced interest charges. Pay off

Simmons Bank