Simmons Visa - Simmons Bank

Simmons Visa is issued by Simmons Bank. The button below hands you to the issuer's own application.

Apply now Simmons Bank agreements on file

Applications are handled by Simmons Bank, not by us. We do not take applications, we are not the lender, and we cannot say whether you would be approved.

Disclosed rates and fees

Read from Simmons Bank's own published disclosure for this card. Anything the issuer does not state is left out of this table rather than shown as a zero.

Rates and fees disclosed for Simmons Visa
Purchase APR	14%–22% (variable)
Introductory APR	14%
Annual fee	$0

Analysis

Simmons Visa is issued by Simmons Bank. The issuer publishes a purchase APR of 14%–22% and no annual fee.

What borrowing on it costs

What 22% actually costs: about $220 a year on a $1,000 balance, or roughly $18 each month. That is simple interest on a flat balance, so read it as a scale rather than a bill — real interest compounds daily and moves with what you owe.

The introductory offer

There is an introductory rate of 14% on purchases. An intro rate is a real saving and a deadline at the same time: the balance does not clear itself when the period ends, and whatever is left begins accruing at the ongoing rate.

Fees worth knowing

There is no annual fee.

The gaps

Simmons Bank does not publish the foreign transaction fee and the late payment fee on the page where this card appears. We have not filled those gaps with typical figures, because a plausible number is indistinguishable from a real one once it is printed beside a card.

The rates and fees for any card are disclosed in full before you submit an application, and the issuer has to give them to you then. If you want them beforehand, the issuer's cardholder agreements filed with the CFPB are linked on this page.

In short

A card with no annual fee and a published rate of 14%–22%. Whether that rate matters to you turns on one thing: clear the statement balance every month and you will never be charged it.

Where these facts come from

The card name, the image and the application link on this page were read from Simmons Bank's own website (product page). The rates and fees, where we show them, come from a different source entirely: the cardholder agreement the issuer filed with the Consumer Financial Protection Bureau.

Those two sources can disagree, and when they do the issuer's current offer is the one you would actually get. A filed agreement is a snapshot of the terms at the moment of filing; it is the best public record of what a card costs and it is not a quote. Read Simmons Bank's current disclosure before you apply.

We join a filing to a product only when the names match on every meaningful word. Issuers file documents, not cards, so a great many filings cannot be tied to any one product — and an agreement attached to the wrong card would misstate the price of borrowing money. Those unmatched documents no longer get pages of their own on this site: a page named after a PDF is not something a reader can use. They remain published as documents, linked from this page and from the issuer's. How we read the filings.