The Simmons First VISA Platinum credit card is an emergency expense tool offering its members travel insurance, emergency cash and credit card replacement, and car rental loss / damage waivers to cover collision, theft, and vandalism. Only consumers with excellent credit will be eligible for the Simmons First Visa Platinum card. This card offers a 7.25% variable rate and has no annual fees and no balance transfer fees. This card, issued by Simmons First National Bank, allows cardholders to get cash from ATMs worldwide on a 24-hour basis wherever Visa credit cards are accepted. As another safeguard, all cardholders receive Travel Accident Insurance at no additional cost, covering up to $1,000,000, making it even more enticing for those with great credit.