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

back Simmons VISA Classic

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

excellent required

Terms and Conditions

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%.