How to Apply for the Simmons Bank Visa Platinum Rewards Credit Card

Simmons Bank offers two personal credit cards, one of which is the Simmons Bank Visa Platinum Rewards Credit Card. Although the rewards program is nothing extraordinary, this card boasts an excellent APR for purchases, as well as balance transfers and cash advances. Cardholders can expect a very low variable APR of 9.50%, with the same percentage applying to balance transfers, and just 13.50% for cash advances (APR is subject to change). These are fantastic interest rates, considering there is no annual fee attached to this card and no additional fees for balance transfers. We did mention the rewards program isn’t amazing, but it’s still worth mentioning that every dollar you spend earns you 1 rewards point. These points can be redeemed for airline tickets (US based airlines only) or put towards hotels, cruises, car rentals and restaurants. Before you jump the gun and apply for this card, it’s important to note that only applicants with excellent credit will be approved. If the Simmons Bank Visa Platinum Rewards Credit Card interests you, follow our guide below to apply for yours today.

Take a look at Simmons Bank privacy policy before providing any personal or financial information.


To be eligible for this credit card you must meet the following requirements:

  • Be at least 18 years of age
  • Have a valid US mailing address
  • Have a US SSN
  • Have a US-issued photo ID

How to Apply

Step 1 – To start the application process, follow this link to the Simmons Bank personal credit card page. Next, click on the Apply Online button below the Simmons Bank Visa Platinum Rewards Credit Card.


Step 2 – You are asked to read and accept the terms and conditions before filling out the application form. Tick the box under the terms then click I Agree.


Step 3 – Now we’ll begin filling out the application form. The first few fields request that you enter the following information:

  • First Name
  • Last Name
  • Name displayed on card
  • Email address
  • Social security number
  • Date of birth
  • Mother’s maiden name
  • Primary phone number


Step 4 – Following that, you need to provide some information on your current dwelling and drivers permit. Type in the following information into the appropriate fields:

  • Residential street address
  • City
  • State
  • Zip code
  • Time at current address
  • Housing situation
  • Drivers license number
  • Drivers license state


Step 5 – Next, you must enter your Current Employer Name, Time with Employer and Business Phone Number (optional). They also ask if you have an existing account with Simmons Bank, select Yes or No. Then, enter your Gross Annual Income and Monthly Housing Payment.


Step 6 – At this juncture may choose to enter up to 3 additional cardholders to the account. Enter the following personal data for each authorized user:

  • First Name
  • Last Name
  • Name displayed on card
  • Relationship
  • Social security number
  • Date of birth
  • Primary phone number


Click Submit once you have reviewed all the information you just entered to have your application sent in for review. We hope these instructions were concise and helped you accomplish this application process with ease. We trust you will be approved for the Simmons Bank Visa Platinum Rewards Credit Card. Good luck!