The credit cards offered by Simmons Bank do not charge balance transfer fees. However, these cards do not offer 0% intro APR. The cards have low ongoing APRs of 9.25% and 11.25% (variable) though. As for the miles rewards, unfortunately we do not offer co-branded credit cards that will allow you to redeem with Delta. However, there are regular travel cards that will allow you to earn miles and redeem them with any airline, including Delta. For example, the Discover it® Miles card will allow you to earn 1.5 miles on all purchases. As a new cardmember, you will get all your first-year miles matched. Thus, if you earn 40,000 miles, you get 80,000 miles. Earned miles can be redeemed for travel statement credits or cash deposited to your account. The card has no annual fee and no foreign transaction fee.