I love this card.  I have had it for qabout a year now.  Had no trouble getting approved.  Their website is very user friendly when it comes to paying online.  I have not found a lower fixed interest rate with no annual fee.  Credit Karma should recommend this card to other members.

 Perfect in every way.  I got this card after seeing Clark Howard's recommendation.  You can't beat a 7.25 % rate, except by paying off the whole balance every month and getting a zero percent rate, which is what I do.

 I have held the Simmons card for several years as a result of a recommendation in a financial magazine.  The interest rate of 7.25% has never changed and I have absolutely no complaints with this card.  When it is necessary to speak to a representative with them, I actually get a human voice rather quickl,y which is a perk that I like a lot! 

Great card, with a fantasic interest rate. Don't bother to apply if you have less than a 750 credit score though. A hard credit check from these guys will ding you 7 points. I applied from this site and heard nothing for almost 10 days then I got a small piece of paper in the mail thanking me for applying and letting me know my card was on it's way.  They start you off with a modest credit line so don't expect the 10-12k you get with some of the big card issuers.  I haven't had teh card for a long time but reading reviews from others who have, it seems like teh interest rate has been stable for a long time. Hope it stays that way.

 I've had a Simmons first card for over 10 years.   They have never messed with my rate, when you call you can talk to a real- english speaking person, and they actually care about having your business.  . . . Great card for those who are responsible.  Under 10% fixed interest is hard to come by in a credit card.

Best card I've had.  Rate has stayed stable at 7.25% and service is good.  

I have been a customer of Simmons First for over 40 years.  I am one of their oldest and continuous customers.  This is a wonderful bank to work with - customer service is outstanding to say the least. They may be picky who they accept but so do other banks and financial institutions.

 Excellent Bank, Excellent Card.  You will not find a lower interest rate in the country, but do not bother to apply if you do not have Excellent credit history.  This bank can offer low rates because it has customers who are not subject to default and bankruptcy.

Excellent service, excellent apr

ive had this card for 2 years now. if you ever have to call customer service. they have nice sweet southern accent women who answer and help with anything. not some indian that can understand american lingo. 

I  applied for the Simmons card as well, have excellent credit, I applied online, and they said I was approved, then turned around and denied me. Why would you tell someone that they are approved,and then deny them.  If you are going to deny aapplication why not deny it from the beginning like all the rest. Something is wrong with this picture.