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Credit cards have quickly become a necessity more than a luxury. With the , you can combine the necessity of a credit card, with the luxury of a rewards card to provide you with travel benefits.
Benefits of
When it comes to traveling, a credit card is an easy and safe way to make necessary purchases. With this new card from Simmons, you can be sure you have a great card in the time of an emergency, but you will also have other great travel benefits as well. According to the credit cards chart, this card is for those consumers with excellent credit, who occasionally carry a balance, but still want a credit card that lets them earn rewards off the money they spend. This Simmons First Platinum is offered through visa cards, which does offer travel rewards. If you are looking specifically for a credit card that offers great travel rewards, a credit card through an airline, such as the southwest credit card which gives you two free flight tickets, might offer more of the kinds of benefits you are hoping to receive.
While airline credit cards might offer better benefits, the Simmons credit card still rewards you for using it. This visa travel rewards card earns your one point or one mile on every dollar you spend and there is no annual fee for this card. There is also no bonus as other credit cards have been offering. This Visa Platinum rewards card does offer an APY of 9.25%, which is generally much lower than other credit cards. There is also no fee for balance transfers. The lack of fees could easily outweigh the lack of an enrollment bonus however.
Travel Benefits
The is accepted globally, which means you can obtain cash from ATMs across the world wherever Visa cards are accepted. By signing up for this card, you are automatically enrolled with Travel Accident Insurance for no additional fees or cost. For those of you who travel on a regular basis, this might be a great option for you. As previously mentioned, you receive one point for every dollar spent. Those points can be redeemed for your choice of any U.S. based airline. There are no blackout dates, seating restrictions, and you have your choice of which class you fly. There are also other travel options you can take advantage of that include hotels, cruises, car rentals and restaurants. The visa platinum benefits card also offers an emergency cash and/or credit card replacement benefit. This means that service is available to traveling cardholders who report that their credit card has been lost or stolen. This benefit can provide you with peace of mind while you are traveling by knowing if something happens, you will be taken care of and provided with money if necessary.
Applying
The doesn’t have an annual fee or fees for balance transfers. Not having these fees could save you money each year. As with all credit cards, there are fees if you make a late payment, for foreign transactions, returned payments and cash advances. As mentioned, this credit card does require excellent credit to apply, but if you feel this card fits your needs, you can easily apply online on the .
