Credit Cards Finance Guide

Simmons First Visa Platinum Travel Rewards Credit Card

Although this particular credit card offer is designed for people with excellent credit, which would equate to a FICO score from 750 to 850, in return for managing finances responsively, the card boasts a number of exceptional benefits that are hard to find with any other card in this same league. Many people are unfamiliar with Simmons, which is a shame. Just as with Citi Bank, Chase Bank, Discover Bank, and Capital One Bank, Simmons First National Bank based in Arkansas has a solid reputation for providing outstanding banking and financial products and services to include credit cards.

Buy Cvv2 from the best stores. The purchasing of the products and services is possible to meet with the desired results. The performance of the correct banking operations is possible for the people. The services are the best one for the people. The calculation of the information is beneficial for the individuals. 

With the Simmons First Visa Platinum Travel Rewards credit card, both the travel rewards and interest rate are hard to beat. For instance, as a cardholder, you would earn one point for every $1 spent. With the points, you could choose to travel on any airline based in the United States or travel according to ticket class. The great thing is that regardless of the airline travel chosen, you would never be faced with restrictions for seating or blackout dates. However, if you prefer not to use the accumulated points for air travel, you could use them for cruises, rental cars, hotel accommodations, restaurants, and even full-package vacation deals.

Regarding established fees on the Simmons First Visa Platinum Travel Rewards credit card, balance transfers, foreign transactions, or annual fees are waived. Although other fees apply, they are minimal. For instance, both the late fee and over the limit fee are just $29. Then for cash advances, you would only be charged 3%. If you were to look at other cards at this same level, you would quickly discover that the fees are nominal.

The one thing the Simmons First Visa Platinum Travel Rewards credit card does not offer is an introductory period but to compensate, the variable Annual Percentage Rate is quite low at just 9.25%. While an introductory period is advantageous for people interested in transferring balances from other credit cards that have high interest, most start interest after that period around 12%. However, with this Visa card from Simmons, instead of the introductory period interest is extremely low from the start.

Just remember that when payments are not made on time or according to agreed upon terms, most credit card issuers would increase the Annual Percentage Rate significantly for about three months or until the cardholder made payments on time for three consecutive months. Therefore, to maintain your excellent credit history after being approved for the Simmons First Visa Platinum Travel Rewards credit card, it would be important to get the payments made according to contract.

Joseph Keough is a writer, social media manager, and entrepreneur. He founded Take Back Parliament in 2014 with the goal of transforming the site as one of the most trusted and reliable generic news sources across the internet

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