Simmons First Visa Platinum
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Key Features
- Excellent Credit Required - Applicants that do not have excellent credit will not be approved
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- Low 7.25% fixed standard purchase APR and platinum benefits
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- No balance transfer fee for balances transferred in response to this online offer
- No Annual Fee
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For individuals looking for one credit card for all of their needs, the Simmons First Visa Platinum is a good choice. Whether you want to transfer a balance from another card, or have a card available for emergencies and travel arrangements – the Simmons First Visa Platinum offers a competitive interest rate.
In addition to giving you credit when you need it, the First Visa Platinum card makes it possible to obtain cash 24 hours a day from any Automated Teller Machine (ATM) using your credit card pin number. You'll never be stranded without access to funds if you always have this card in your wallet.
For travelers, a Simmons First Visa Platinum gives you automatic $1,000,000 in travel accident insurance coverage. Purchase your airline, cruise, or rail tickets on the card and you'll have accidental death and dismemberment coverage at no additional cost to you (and makes it possible to avoid paying extra for this coverage through the common carriers insurance programs).
Additionally, travels who rent vehicles are covered under Visa Auto Rental Insurance for damages due to collision or theft. The amount of coverage is equal to the value of the rental car, provided you complete the rental transaction using your Visa Platinum and decline the collision damage waiver offered by the car rental company.
Another feature of the Simmons First Visa Platinum card for travelers is the ability to access Emergency Cash or Replace a Stolen Card. If your card is lost or stolen while traveling, call the customer service and they'll assist you with obtaining emergency cash or getting a new card as soon as possible.
Simmons First Visa Platinum does not charge an annual fee. If approved for the credit card, you'll receive a complimentary balance transfer kit in the mail about three weeks after you receive your card, in case you want to transfer any higher interest balances to your new card to take advantage of the competitive interest rate.
Review Date: 3/11/2009
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