Have you been good this year? If your credit score is considerably noteworthy, then you can look forward to a 2012 of low interest on a credit card. Right now, Simmons First Visa Platinum Card is offering a very low rate of only 7.25% APR for those with excellent credit.

Credit Card Features:

Aside from the rate that won’t burn your money with interest, there are a lot of features to look forward to with the Simmons First Visa Platinum Card. Below are what they have in store for you:

* Accepted Worldwide – You can use your Visa Platinum Credit Card as an ATM from any ATM that accepts Visa. You can access these ATMs 24 hours in a day, anywhere in the world. Aside from this, you can also take advantage of the cash advance feature that is available to you at any financial institution that accepts Visa.

* Get Travel Accident Insurance – For those consumers who are always on the go, it may be a relief to find out that travel insurance is offered for free whenever a ticket is purchased using your Visa card. Whether you use a cruise line, rail bus, or airline, your card can cover you for any accidental death or dismemberment.

* Car Rental Damage/Loss Waiver – If a car is rented using the Visa card, the VISA Auto Rental Insurance can provide coverage for theft or a collision for up to the actual cash value required. This insurance is also available worldwide.

The extra features of the card is most useful for those who go on frequent business trips or leisure travels. The card also does not offer any form of reward or cash back like most cards. However, despite the lack of rewards, consumers can definitely save more because of the low interest rate, which may prove to be more cost effective than some rewards cards. Whatever the case, this card from First Simmons have one of the lowest rates for credit cards, and may just be the card that certain people with good credit are looking for.

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