Simmons bank VISA Classic - for those who like a low APR

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

no annual fee

low 10.25% APR

no BT fee

Editors Review

Low APR no annual fee credit card for excellent credit

Pros

  • No annual fee
  • Low 10.25% regular APR
  • No balance transfer fee
  • Travel insurance with $150 000 limit        
  • Car Rental Loss and Damage Waiver  

Cons

  • Hard income inquiries – require W-2 form, may call to your employer to check your payroll, makes application process slower
  • 2% foreign transaction fee – less than 3% average but not a good thing for travel
  • No smart chip (no EMV chip)
  • No rewards and no sign up bonus

Verdict

A good card if you need a low APR. No rewards, no sign up bonuses, just low ongoing payments if you carry a balance. A similar card is BoA Americard that has APR in a range of 10.99%-20.99%. 

Last updated: 02/10/2015









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