- Excellent Credit Required - Applicants that do not have excellent credit will not be approved
- Low 9.50% variable standard purchase APR and platinum benefits
No balance transfer fee for balances transferred in response to this online offer
- Travel Rewards - cardholders who enroll in the program receive one point per net dollar spent
- Choose any U.S. based airline or ticket class. No blackout dates or seating restrictions
- Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants
- No Annual Fee
5.0 / 5.0 (58 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
12 months on BT*
APR Type:
Annual Fee:
Card Network:
Card Category:
Consumer (Premium)
Card Type:
Low Interest Credit Card
Reward Card
Credit Needed:
Grace Period:
25 days*
Late Payment Fee:
Over Limit Fee:

Balance Transfers

Balance Transfer:
Transfer Fee (%):
Minimum Fee:

Cash Advances

APR on Cash Advances (%):
Cash Advance Fee (%):
Minimum Fee:

Other Fees

Additional Fees
Foreign Transaction Fee: 2%
Convenience Check: 12.95%
Penalty Rate: 16.95%*

Review by

The Simmons Bank Visa Rewards platinum credit card is reserved for consumer or personal use. Applicants with an excellent score stand a higher chance to gain acceptance. An important feature of this card asides its rewards program, and platinum benefits is its' low fixed APR. This rate covers purchase transactions making it easier to plan expenses, and balance repayment if you don’t pay in full.

On the rewards program you'll earn a point on every dollar spent. As you spend and earn points more reward options become available. Air travel benefits come with no seat restrictions and blackout dates.

No annual fee is charged.

Travel Accident Insurance, Emergency Cash and Card replacement, and Car Rental Loss/Damage Waiver.


Most attractive:
- Free rewards program
- No annual fee
- Platinum Card coverage
- Low fixed APR for Purchases
- No fee Balance Transfer offer
Least attractive:
- No bonus points
- No introductory offer
- Only Excellent credit holders may apply

Rewards & Benefits

Reward Types:
Travel Reward Cards
Universal Reward Cards
Reward Unit:
Reward per every $1 spent:
- 1.25 points per net dollar spent on their card.
- Points redeemable for cash back, airfare, dream vacations, and top merchandise.
Other Benefits:
- Auto Rental Insurance
- Car rental Loss/Damage waiver
- Travel Accident Insurance
- $1,000,000 VISA Platinum credit card coverage
- Emergency cash replacement
- Emergency card replacement
Online Access:

The information provided for Simmons Bank Visa® Platinum Rewards is believed to be accurate at the time of evaluation (Feb 10, 2020). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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