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Visa® Platinum
Simmons First Bank |
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Credit Card Description:
The Visa® Platinum credit card from Simmons First National Bank is intended for consumers with an excellent credit history. While this credit card does not offer an introductory rate period, you´ll still benefit from a very low variable ongoing APR on purchases which does not fluctuate with the Prime Rate. Also, this Visa® Platinum card won´t earn you any rewards or shopping and travel benefits, but if you want to take advantage of its revolving credit line, then low APR may be more significant for you than rewards. So, if you are not looking to earn points or cash back and you instead value a card with low, variable interest rates and no annual fees, then the Simmons First Visa® Platinum could be right for you!
The grace period offered by the Simmons First Visa® Platinum is at least 25 days which means that interest will not be charged on purchases during this period. So, if you intend to use the card primarily for payment convenience, but not for borrowing money, the grace period will be a benefit. Additionally, this credit card does not require an annual fee which can help you maximize your savings.
As a Visa card, this credit card is accepted at millions of locations worldwide and provides a full range of Platinum benefits and first-class services. However, being approved for this card will depend on your credit score and the other information that you place on your application form. Ideally, you should have a credit score of at least 791 to have a good chance of being approved.
However, be advised that the issuer may also consider some other factors when making its approval decision. Also, the approval time may range between one to two weeks, and once you are approved, it may take up to two weeks for you to receive the card. Apply for the Simmons First Visa online if you qualify, and explore the flexibility and buying power of this premium credit card!
Credit Card Rates
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Purchases:
| Introductory APR: |
n/a |
| Introductory Period: |
n/a |
| Ongoing APR: |
7.25% |
| Default APR: |
16.25% |
| Minimum Grace Period: |
25 days |
Minimum Finance
Charge: |
$0.50 |
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Balance Transfers:
| Introductory APR: |
n/a |
| Introductory Period: |
n/a |
| Ongoing APR: |
7.25% |
| Default APR: |
16.25% |
| Minimum Grace Period: |
n/a |
Minimum Finance
Charge: |
$0.50 |
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Cash Advances:
| Introductory APR: |
n/a |
| Introductory Period: |
n/a |
| Ongoing APR: |
11.25% |
| Default APR: |
16.25% |
| Minimum Grace Period: |
n/a |
Minimum Finance
Charge: |
$0.50 |
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Credit Card Transaction Fees
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Balance Transfer Fees:
| Minimum: |
n/a |
| Fee Rate: |
n/a |
| Maximum: |
n/a |
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Cash Advance Fees:
| Minimum: |
$4 |
| Fee Rate: |
3% |
| Maximum: |
$50 |
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Foreign Transaction Fees:
| Minimum: |
n/a |
| Fee Rate: |
n/a |
| Maximum: |
n/a |
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Credit Card Other Fees
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Initial Fees:
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Maintenance Fees:
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Penalty Fees:
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