Simmons bank VISA Gold Select card

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excellent
intro purchase APR no intro offerregular APR10.25 - 10.25% (V)
intro BT APR 10.25% no BT fee

no annual fee

no BT fee

no regards or bonuses

Editors Review

Pros

  • No annual fee
  • Low APR 10.25%
  • Gold card status
  • No balance transfer fee

Cons

  • Hard approval process – the bank will ask you to send latest paychecks, will call your employer to verify it, the whole process is long and very detailed
  • Other cards from Simmons bank have even lower APR
  • 750-800 credit score needed to apply
  • 2% foreign transaction fee

Verdict

it is a good low APR card, but maybe Simmons Bank Platinum card with a very low 7.25% APR or a Simmons Bank Platinum Rewards card with 1% rewards are better options.

If you need a balance transfer card, it may be better to go for any 0% intro APR offer – many banks offer from 12 to 18 months of intro BT APR. 

Last updated: 02/07/2015









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