Ring in the savings.
If you were notified by a letter dated January 13, 2025, you qualify for this special balance transfer opportunity. Simply choose the offer that fits your needs best and start saving on interest today!
This special offer ends March 14, 2025.
Two great offers.
One easy choice.
Take advantage of this opportunity to streamline your finances and give your budget more room to breathe.
Low rate offer
0.00%
Promotional APR{72} on balance transfers through your March 2026 billing cycle.
After that, the variable APR for balance transfers will apply, currently <x.xx%>. This APR will vary with the market based on the Prime Rate.
Balance Transfer Fee
4% or $10 fee{73} of the amount of each transaction, whichever is greater
No Fee Offer
6.90%
Promotional APR{72} on balance transfers through your March 2026 billing cycle.
After that, the variable APR for balance transfers will apply, currently <x.xx%>. This APR will vary with the market based on the Prime Rate.
No Balance Transfer Fee
Pay down high-interest credit cards and loans
We'll transfer your balance.
You'll save on interest, starting right away!
Balance Transfer FAQs:
Transfer a balance from a higher-rate credit card to your Simmons Bank Visa Credit Card account and pay it off over time.
Yes! Just transfer those balances online now. Then you'll have to make just one easy payment. Plus, save time with fewer payments to make each month.
Yes! If your account is in good standing and you have sufficient available credit, you can take advantage of both the Low Rate Offer and the No Fee Offer by the promotion expiration date.
Transfers are initiated once submitted. Standard payment processing times of up to 30 days may apply. If your transfer has not posted to the desired account within 15 business days, please contact us at 1-800-272-2102 for research and/or correction.
We apply payments up to the minimum payment due{250} at our discretion in accordance with applicable law. This may result in balances at lower interest rates being paid before other balances. This may also result in higher interest charges. Payments in excess of the minimum payment due will be applied first to your highest interest rate balances, in accordance with applicable law.
No, your checks can’t be used to pay off a different account with Simmons Bank. You can use your checks for many other things – like paying off an external account or making a purchase.
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{72} 0.00% Promotional APR on balance transfers and check transactions for 12 months with a 4% or $10 fee, whichever is greater. After the promotional APR ends, you will be charged the standard variable APR for balance transfers on your account. Please refer to your Cardholder Agreement. This APR will vary with the market based on the Prime Rate. The offer must be used by 03/14/2025 for the promotional APR to apply. If you transfer a balance after that date, we may still honor the transfer but you will not receive the promotional APR. Instead, the standard APR for balance transfers will apply. We will begin charging interest on balances transferred with this offer on the date the promotion is processed.
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{74} 6.90% Promotional APR on balance transfers and check transactions for 12 months with no fee. After the promotional APR ends, you will be charged the standard variable APR for balance transfers on your account. Please refer to your Cardholder Agreement. This APR will vary with the market based on the Prime Rate. The offer must be used by 03/14/2025 for the promotional APR to apply. If you transfer a balance after that date, we may still honor the transfer but you will not receive the promotional APR. Instead, the standard APR for balance transfers will apply. We will begin charging interest on balances transferred with this offer on the date the promotion is processed.
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{73} Either 4.00% or $10 of the amount of each transaction, whichever is greater.
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{250} The minimum payment due is calculated as (i) 1% of the new balance plus all finance charges, late fees and past due amounts OR (ii) $10, whichever is greater.