A Simmons First VISA Platinum Rewards credit card gives you more than just an emergency expense tool. Take advantage of these features:

GLOBAL ACCEPTANCE

Your Visa Platinum Rewards credit card may be used to obtain cash on a 24-hour basis from *Automated Teller Machines (ATMs) worldwide displaying the MasterCard, CIRRUS, VISA, PLUS, PULSE, American Express, Discover, and Novis emblems. Cash Advances are available at Financial Institutions where credit cards are accepted.

*Automated Teller Machines and Electronic Systems require a Personal Identification Number (PIN). Please select a 4 digit number and indicate it in the space provided on the application. If you do not select a PIN, one will be selected for you.

TRAVEL INSURANCE

All cardholders are covered with Travel Accident Insurance. This is an accidental death and dismemberment coverage that applies when common carrier tickets (airline, rail bus, cruise line, etc.) are purchased with your VISA Platinum Rewards credit card. A covered loss occurs as a result of travel on the common carrier. This feature is provided at no additional cost to the cardholder.

VISA Platinum Rewards credit card coverage is $1,000,000

EMERGENCY CASH AND CREDIT CARD REPLACEMENT

This service is available to VISA Platinum Rewards cardholders who are traveling and have reported their VISA credit card to be lost or stolen.

TRAVEL REWARDS

*Cardholders who enroll in the program receive one point per net dollar spent on their VISA Platinum Rewards credit card. The cardholder has their choice of any U.S. based airline, no black out dates, choice of ticket class, and no seating restrictions. Other travel related options are hotels, cruises, vacation packages, car rental, and restaurants. The program offers a one-stop process for redemption and is supported by a toll-free service number.

* excludes business accounts

CAR RENTAL LOSS/DAMAGE WAIVER
(covering collision, theft and vandalism)

VISA Auto Rental Insurance provides coverage for damage due to collision or theft up to the actual cash value of most rental cars when certain terms and conditions are met. The cardholder must initiate and complete the entire rental transaction with a covered *VISA credit card and decline the auto rental company's collision damage waiver (CDW/LDW) option, or similar provision if offered by the auto rental company. Auto Rental Insurance is available worldwide on a 24-hour basis unless precluded by law or in violation of the territory terms of the rental agreement. Other restrictions, limitations and exclusions may apply.