Simmons bank VISA Gold Select card

back Simmons VISA Gold Select

compare

Apply Now

intro purchase APR no intro offer	regular APR10.25 - 10.25% (V)
intro BT APR 10.25%	no BT fee

excellent required

Terms and Conditions

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.