Credit Cards
We offer a variety of credit cards, each with unique benefits. Compare and choose the one that is best suited for you.
Choose the card that works best for you.
Whether you're seeking a competitive interest rate, the added advantage of rewards, or a chance to build your credit, we have a credit card that will meet your needs. Whichever card you select, you'll enjoy the spending power and flexibility you require, along with excellent customer service that's available 24/7 and globally recognized acceptance.
Simmons Visa®
It’s the card that’s built for convenience and designed for your budget. Need to spread out payments on a large purchase? Our lower rates can help.
- $0 annual fee{14}
- 14.50% - 22.50% Variable Purchase APR{14}
- 0% Intro APR for 12 billing cycles on balance transfers completed within 60 days of account opening. After that, 14.50% - 22.50% APR variable.{80}
Simmons Rewards Visa Signature®
Earn points every time you spend and redeem them for cash, airfare, travel packages, gift cards, and more - all with no annual fee.
- $0 annual fee{15}
- 1.25 reward points for every $1 spent{15}
- 16.50% - 24.50% Variable Purchase APR{15}
- 0% Intro APR for 12 billing cycles on balance transfers completed within 60 days of account opening. After that, 16.50% - 24.50% APR variable.{80}
Simmons Bank Foundation Visa
Building or repairing credit takes time. Start strong with a secured credit card from a bank you can trust.
- $0 annual fee{188}
- Great for first building credit
- 27.24% Variable Purchase APR{188}
- Credit line $300 minimum to $5,000 maximum{188}
Card alerts
Turn your card on and off and receive email notifications when your card is used in a way that could indicate fraud.{16}
Get coverage for damage due to collision or theft up to the actual cash value of most rental cars.{22}
Use your card anywhere Visa is accepted for purchases, 24-hour cash from ATMs and cash advances.
Get up to $1,000,000 in travel accident insurance at no additional cost.{22}
Easy checkouts
Use the secure EMV microchip or load your card onto a digital wallet like Apple Pay® Google Pay™ or Visa Checkout®.{87}
24-hour customer service representatives are always there to help.
Look. Tap. Go.
You can now tap to pay for fast, easy and secure checkout using your contactless Simmons Visa credit card. Your contactless Simmons Bank Visa card has the same protection as a chip card, so it's also a secure way to pay.{87}
Get Mobile Wallet
Mobile Wallet allows you to make purchases at participating locations with just one touch of your device—no need to swipe your card. It's the simplest, most secure way to make purchases with Apple Pay®, Samsung Pay or Google Pay™. Just add your Simmons Bank card to your smartphone or tablet, and you're good to go.{16}
Manage your finances in one place.
Too many apps? Manage your banking and credit card accounts from the same dashboard on any device with Simmons Bank Online & Mobile.{16}
Simmons Bank Online & Mobile
- Check your statements
- Transfer funds
- Deposit checks
- Manage and pay bills
- Setup card alerts
- Access business services
Get all of these features and more when you sign up!
Featured
Your credit score: what is it and why it matters
What is a credit score?
A credit score is a three-digit number that represents your past borrowing and payment behavior. Although there are hundreds of different...
Credit Card FAQs:
You will need a valid driver’s license, your social security number and some standard personal information – your address, employer and contact information.
Yes, we will check your credit score as a part of the application process.
Your application will be approved or denied in 24-48 hours. You will receive a notification in the mail in 5-7 days notifying you of a decision.
Your new card will be mailed 3-5 days after your approval.
You can activate your card by calling 1-888-222-0215.
Yes, our Simmons Bank credit cards can be added to your mobile wallet and used to pay anywhere Apple Pay, Google Pay or Visa Checkout is accepted.
You can make a payment on your account by calling 1-800-272-2102.
Call 1-800-272-2102 to report your card lost or stolen, and receive a replacement.
-
{97} Benefits and features are subject to customer qualification and approval by Simmons Bank.
-
{14} Annual Percentage Rate (APR) accurate as of December 19, 2024. Actual rate offered dependent on applicant's creditworthiness. Account subject to credit approval. See the Summary of Rates and Terms - Simmons Visa for account pricing and details and the Credit Card Agreement for account terms.
-
{15} Annual Percentage Rate (APR) accurate as of December 19, 2024. Actual rate offered dependent on applicant's creditworthiness. Account subject to credit approval. See the Summary of Rates and Terms - Simmons Rewards Visa Signature for account pricing and details and the Credit Card Agreement for account terms. 1.25 Rewards Points are earned for every $1 of net purchases on the account. Purchases exclude cash advances, balance transfers and fees. Net purchases is the sum of posted purchases less returns and refunds. Certain restrictions, limitations, and exclusions may apply. See the Simmons Bank Rewards Program’s Terms and Conditions for details.
-
{188} Annual Percentage Rate (APR) accurate as of December 19, 2024. All APRs are variable. Account subject to credit approval. Variable APR of 27.24%. Cash Advance APR of 28.24%. Cash Advance Fee is the greater of $4 or 3% of the transaction amount. Foreign Transaction Fee of 2% of each transaction, in US Dollars. See the Credit Card Agreement for account terms.
-
{80} 0% Intro APR for 12 billing cycles on balance transfers completed within 60 days of account opening date. This introductory promotional rate carries a fee of either $10 or 5% of the amount of each balance transfer, whichever is greater. After the promotional period, the purchase APR will apply.
-
{87} Contactless payment applies only to Simmons Visa debit and credit cards. The contactless symbol and contactless indicator are trademarks owned by and used with permission of EMVCo, LLC.
-
{16} Data connection required. Wireless carrier fees may apply. Mobile deposit is available to Simmons Bank online and mobile banking customers who are at least 18 years of age and have the most recent Simmons Bank App for iPhone®, iPad®, or Android™.
-
{22} Certain terms, conditions and exclusions apply. In order for coverage to apply, you must use your covered Visa card to secure transactions. Please refer to your Guide to Benefits for Simmons Visa or Guide to Benefits for Simmons Rewards Visa Signature for further details. Not a Deposit | Not FDIC Insured | Not Insured by any Federal Government Agency | May Lose Value | Not Bank Guaranteed
-
{159} To request a copy of credit card agreements and disclosures, please call 1-800-272-2102 or fill out the Credit Card contact form.
-
{271} iPhone, iPad, Apple, the Apple logo, Apple Pay, and the Apple Pay logo are trademarks of Apple Inc. Android, the Android Logo, Google Pay, and the Google Pay logo are trademarks of Google Inc. Samsung, the Samsung logo, Samsung Pay, and the Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd.