The Simmons Visa Credit Card: The Lowest Standard APR Available

By Jason Steele. Last updated 7 January 2021. 1 comment

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The majority of credit card users in America carry a balance. People in the credit card industry refer to these customers as "revolvers," and they generate huge profits for the industry by paying high interest rates every month.

If you are one of these credit card users, your primary goal should be to pay off your debt and never pay credit card interest again. But you probably already knew that. What you may not know is which credit card has the lowest interest rate. (See also: Best Low Interest Rate Credit Cards)

While it is nearly impossible to look at every one of the thousands of credit card offers that are currently available, and that change constantly, I can say this: I've written hundreds of articles about credit cards, and read even more, and the Simmons Visa® has the lowest standard APR of any card that I am aware of. 

Why We Like This Card

  • Lowest variable APR available
  • No annual fee and no balance transfer fee

How This Card Works

This card has a low variable interest rate. There's no other fixins, and if you have revolving credit card debt, this is all you really need.

Who This Card Is Best For

There are individuals with no current debt that realize that they may possibly incur debt in the future. These cardholders would be wise to have the Simmons Visa® available in order to minimize their interest costs in the future. It is always better to have no credit card debt than it is to revolve a balance. But, at the same time, it is smart to carry the credit card with the lowest possible standard interest rate, just in case.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Guest's picture

Customer service for this card sucks. You can't change your address over the phone (due to "security" reasons--you have to write in ON the envelope you mail your payment in--somehow more secure!) and they are only open standard bank hours and never on weekends or Federal holidays. And since it's based in Arkansas, the operators will have accents, which might be a problem for some. Oddly, I was able to cancel my card over the phone, so I am finally rid of this mess. I pay my balance off monthly, so I am not in need of a low APR card with all these barriers.