» Simmons First Visa Platinum Credit Card Review
The Simmons First Platinum credit card a general credit card offered by Simmons First National Bank has some attractive features. Card membership offers a low introductory APR and a variety of services including travel insurance, car rental loss and damage waiver, and emergency cash and card replacement service. The card does not come with any rewards program. You need to have excellent credit to meet the requirements for this card.
The Simmons First Platinum Visa card comes with an attractive introductory APR rate of 7.25%. This is a variable rate and fluctuates with the prime rate. See also, Simmons First Platinum Rewards Card.
The Platinum card from Simmons First National as a Visa card has wide acceptance on a global scale. You can use the card at automated teller machines (ATMs) worldwide anywhere Visa is accepted. Click Here to Apply Now
Every cardholder is automatically enrolled in the credit card’s travel accident insurance. Travel insurance coverage is $1,000,000 for accidental death or dismemberment of any cardholder traveling on a common carrier such as an airline, train, bus, or cruise line when the tickets were purchased with the Simmons First Platinum card. There is no additional charge for this service. If you are a cardholder and you rent a car using your Simmons card you don’t have to worry if your rental car is lost, damaged or stolen as it is covered by the car rental loss/damage waiver. To be covered the cardholder must have declined the auto rental’s collision damage waiver option. Another service which could come in handy if you are traveling and you lose your Simmons credit card is an emergency cash and credit card replacement service. The cardholder must have reported the card lost or stolen and other restrictions or limitations may apply.
There is no annual fee associated with this card. There is a 25 day grace period for any interest arising from purchases made with the card. If payment is made in full within 25 days of the cycle closing date no interest is charged on a cardholders account. Finance charges on convenience checks and cash advances begin on the day of the transactions. If payment on a Simmons platinum account is received late there is a penalty APR rate added to the account which stays in place for a minimum of six months. If you travel overseas Simmons does charge a fee for any foreign transaction. There is also a 3% fee for any cash advance with a $50.00 maximum. If you are late with a payment or a check is returned there is a $25.00 late fee. There is also a service fee of $12.00 if you involve customer service in getting a payment expedited. Click Here to Apply Now. See also, Discover Card and American Express Card.
- Excellent Credit Required – Applicants that do not have excellent credit will not be approved
- Low 7.25% variable standard purchase APR and platinum benefits
- No balance transfer fee for balances transferred in response to this online offer
- No Annual Fee
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