Bank · FDIC insured
Simmons Bank Credit Card Rates
Simmons Bank credit cards start at 14.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Simmons Bank’s credit card rates compare
Compared with banks and credit unions near Little Rock, AR, where Simmons Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Simmons Bank
14.00%APR
- Up to
- 22.00% APR
Simmons Visa
Lowest rate
Alcoa Community Federal Credit Union
7.99%APR
- Up to
- 15.99% APR
2nd-lowest rate
TruService Community FCU
9.00%APR
- Up to
- 18.00% APR
Simmons Bank credit card score
63
Credit card score
Higher than 9% of U.S. banks and credit unions
- Purchase APRPurchase APR14.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Simmons Bank ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Simmons Bank Foundation Visa
Credit limit between $300 minimum and $5,000 maximum secured by interest-bearing Foundation Secured Savings Account. Must open a Foundation Secured Savings Account as part of application process.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 26.74% | None | Variable Purchase APR. Credit line $300 minimum to $5,000 maximum secured by Foundation Secured Savings Account. |
| Ongoing | 27.74% | None | Cash Advance APR. Cash Advance Fee is the greater of $4 or 3% of the transaction amount. Foreign Transaction Fee of 2% of each transaction in US Dollars. |
Sources (3)
- simmonsbank.com
- simmonsbank.com/personal/credit-cards
- simmonsbank.com/personal/credi…/simmons-foundation-visa
All captured Oct 4, 2026
Simmons Rewards Visa Signature
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.00%–24.00% | None | Variable Purchase APR based on creditworthiness. Variable rate is 9.00% to 17.00% + Prime Rate. Prime Rate of 7.00% as of September 16, 2026. Earn 1.25 reward points for every $1 of net purchases spent. |
| Intro, 12 months | 0.00% | None | 0% Intro APR for 12 billing cycles on balance transfers completed within 60 days of account opening date (from transfer posting date). Carries a fee of either $10 or 5% of the amount of each balance transfer, whichever is greater ($0 after first 60 days). After the promotional period, variable purchase APR of 16.00% - 24.00% applies. |
| Ongoing | 20.00%–28.00% | None | APR for Cash Advances and Convenience Checks based on creditworthiness. Variable rate is 13.00% to 21.00% + Prime Rate. Cash advance fee is either $4 or 3% of the transaction amount, whichever is greater. |
Simmons Visa
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.00%–22.00% | None | Variable Purchase APR based on creditworthiness. Variable rate is 7.00% to 15.00% + Prime Rate. Prime Rate of 7.00% as of September 16, 2026. |
| Intro, 12 months | 0.00% | None | 0% Intro APR for 12 billing cycles on balance transfers completed within 60 days of account opening date (from transfer posting date). Carries a fee of either $10 or 5% of the amount of each balance transfer, whichever is greater ($0 after first 60 days). After the promotional period, variable purchase APR of 14.00% - 22.00% applies. |
| Ongoing | 18.00%–26.00% | None | APR for Cash Advances and Convenience Checks based on creditworthiness. Variable rate is 11.00% to 19.00% + Prime Rate. Cash advance fee is the greater of $4 or 3% of the transaction amount. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.