Simmons First Visa Platinum Reviews

Approval Odds

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5.0 out of 5 stars
8 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

4.5 out of 5 stars

5 5

These reviews were written by current and former cardholders in the last year.

Mar 31, 2017
DEEsz55 Cardholder

I applied on line and was given a response of "The application was under review." A few days later I got a letter stating how happy they were I was part of their customer base and that I would receive a card soon. If I wanted to  transfer a balance or use convenience checks call their 800 number. I received my card in the mail with a $16,700 CL a few days after that. Nothing fancy, just a very quick response to my application. I'm impressed. The interest rate is now 8%. 

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Nov 03, 2016
I'm new to this card and I love it!
garlandbob Cardholder

While checking my e-mail earlier today (11/03/16), I saw one of those sidebar sponsored links pop about "excellent credit score credit cards available."  So I clicked on it and submitted this review. 

"I keep seeing these "if you have excellent credit, check out these offers" website links, but I never see Simmons Bank Platinum Visa listed.  I've only seen them listed once on Credit Karma (dot) com and it had nothing but stellar reviews.  The interest rate is a flat 7.5%.  I applied for it in June 2016 with a credit score of 797.  I was approved almost immediately.  I have four credit cards, all of which have a zero balance.  If I ever need to carry a balance, you can be assured that it'll be on the Simmons Bank card.  Do yourself a favor and google them.  They're located in Arkansas and the few times that I’ve contacted them, they’ve been nothing but courteous and professional. 

Note: I am neither affiliated nor paid by them.  I’m simply a very satisfied customer and hope that other credit card users will discover them, too."

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Sep 23, 2016
Anonymous Cardholder

TU credit score 795 EQ 788  approved with no issues  Very happy to add this card to my collection

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Aug 25, 2016
Does all I need at a very good APR
Dtexan123 Cardholder

I have had this card for several years now and have never has any problems. When I signed up the rate was 7.5 % and it is still that. I have only had a few communications with them and all were pleasant.  The monitor your account and learn your spending habits. This is good in that they contact you if you spend on something that you would not normally to make sure the transaction is yours.  I don't think I have ever been as satisfied with a credit card as I have the Simmons. and I have had my share over the years. If you can qualify you should have this card. This is the only credit card I have and so far the only one I need.

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Aug 23, 2016
I have had the card for about 5 years
Anonymous Cardholder

Look, dealing with Simmons is not convenient, there is no online portal to change your address, name, update employer or anything like that.  It is a no frills card..but when you look at interest rates you are not going to beat it. 7.25%??? Where else are you going to get this.  You credit will need to be in excellent status to be accepted but if you can get it, go for it and just deal with the manual paper work they send you to do any updates. Besides, they are always super friendly.  It's absolutely inconvenient but 7.25%? enough said!

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Aug 18, 2016
I've had this card for about 30 YEARS
seaulator1 Cardholder

These people are the BEST IN THE BUSINESS!

I've had mine for right at 30 years now and only have 1 other card that pays all utilities.

These folks are professional and serious about delivering stellar service to their customers.


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Jul 16, 2016
Anonymous Cardholder

As others have said, I was surprised at how in-depth the Simmons application was when I applied in 2009. However, having a 7.25% rate is worth the upfront hassle. I'll say this, I've yet to see anyone flash this card in my neck of the woods. Seems very selective and thus prestigious!!

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Jun 25, 2016
Way to go
Anonymous Cardholder

I have had this card since 2012 or 2013 and I love it. It is the best rate you will find and I got rid of all my cards and I kept this one.

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Simmons First Visa Platinum