The Simmons First Visa Platinum Rewards card provides solid rewards to its cardholders, especially for those that are looking for a credit card with no annual fee.
Cardholders earn one (1) point for each dollar they spend on purchases, and points can be redeemed on any US airline for travel. Any choice of ticket class can be made, and there are no seating restrictions. There are no blackout dates, and no limits on the point totals that can be accumulated in a given year. However, unlike most other card issuers, the points earned on this card do expire within three years of the date they were earned.
The card offers one of the lowest interest rates of any mileage card - as low as 9.25%. thus for cardholders that carry balances and wand to earn rewards, this card may be the best card for you as most other cards charge a higher interest rate.
The card offers up to $1,000,000 in travel accident insurance, as well as the common auto rental insurance, and other travel and emergency assistance services. Travel accident insurance is provided at no additional cost.
The card can be used as an ATM card, offering cash 24 hours a day at the worldwide network of ATMs that take the Visa card. Cash advances are also available at banks and institutions where the Visa card is accepted.
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