Visa Simmons®* vs. Citi® Double Cash Card
The Citi® Double Cash Card usually has more to offer than the Simmons Visa®* Map. The Citi® Double Cash Card earns 2% cash back on all purchases, 1% when purchases are made, and an additional 1% when paid. It also offers an introductory APR of 0% on balance transfers for 18 months. After that, the standard variable APR will be 15.49% to 25.49%, depending on creditworthiness. There is also an introductory balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater, made within the first 4 months of account opening. After that, the fee will be 5% of each transfer (minimum $5).
The Citi Double Cash has virtually no major advantages, so the Simmons Visa®* has something the Citi Double Cash does not have. Still, the few extras on the Simmons Card aren’t enough to make the Simmons Visa®* a better choice.
Visa Simmons®* versus.
It comes with a longer introductory APR offer and applies to both purchases and balance transfers. With this card there is a . Additionally, the Bank of America Customized Cash Rewards Card also earns rewards of .
Although Bank of America’s personalized cash rewards feature a higher standard APR of , the Simmons Visa credit card does not offer such a long APR intro period and does not offer rewards. Unless you want both a lower standard APR and a shorter balance transfer period, there’s clearly a stronger card here.
Visa Simmons®* against the Wells Fargo Reflect℠ card
The The Wells Fargo Reflect℠ card is high on our list of the best balance transfer cards, and for good reason: the card offers a 0% introductory APR for 18 months from account opening on purchases. and qualifying balance transfers. An intro extension APR of up to 3 months with minimum on-time payments during the intro and extension periods is available. A variable APR of 14.49% to 26.49% then applies. Balance transfers made within 120 days are eligible for the introductory rate and 3% fee, then a balance transfer fee of up to 5%, min $5 applies. This period of up to 21 months almost doubles the period of the Simmons Visa and includes purchases.
Also similar to the Simmons, the Wells Fargo Reflect doesn’t offer rewards, but it does have two perks that might be helpful to some. The card offers protection for your mobile phone when paying your bill with the Reflect card and access to road dispatch.