image with a blue background, credit cards and various symbols

Arvest flex rewards personal credit cards
Enjoy unlimited rewards plus a low intro rate


Apply Online Now

Icon of a hand holding a dollar sign with an arrow around it

$150 Rewards bonus**
Earn 15,000 Arvest Flex Rewards™ points ($150 value) when you open a new account and spend $500 in eligible purchases within the first three months.** 


Special 0% introductory APR*

Enjoy our introductory APR on purchases and balance transfers* for 12 billing cycles. After that, rate will be based on creditworthiness, currently 18.49% – 24.99%.

Arvest Flex Rewards™ Personal Credit Cards

Both the Arvest Visa Signature® card and Arvest Platinum Credit Card come packed with great benefits: 

  • Earn unlimited rewards points for eligible purchases
  • Exclusive extra offers to earn accelerated points throughout the year
  • Easily redeem points for cash back, statement credits, gift cards, travel, entertainment and more
  • No annual fee and no foreign transaction fees1

Plus, for added protection and convenience:

  • ID Navigator Powered by NortonLifeLock to help safeguard your identity
  • Visa's Zero Liability protection, Roadside Dispatch and Global Emergency Assistance Services
  • 24/7 online and mobile access to your account and contactless Tap and Go

Have your promo code that you received in the mail handy when you apply. 

Apply Online Now

To learn more about all credit card options, visit

Rewards Contactless Credit Cards

Account Disclosure

1Pricing and Terms  

Additional information about Arvest Flex Rewards™  or Arvest Credit Card Options  is available online or by calling us at (866) 952-9523

Subject to credit approval. When you apply for a personal credit card with Arvest Flex Rewards'", Arvest will offer you the higher-valued product for which you qualify, either Arvest Visa Signature® or Arvest Platinum card, based on your creditworthiness upon credit approval. *Introductory Rate: 0% introductory Annual Percentage Rate (APR) is valid on purchases and balance transfers for twelve (12) billing cycles from date of account opening. After that, your APR for purchases and balance transfers will be based on your creditworthiness, currently between 18.49% - 24.99% APR. These APRs will vary based on the Prime Rate. The APR for Cash Advances is 24.99% APR and will vary based on the Prime Rate. Balance transfer fee will be either $10 or 3% of the amount of each balance transfer, whichever is greater. The transaction fee for Cash Advances and cash equivalent transactions is the greater of $4 or 4% of each transaction. There is no foreign transaction fee. Late payment and returned check fees are $25 each. Rates apply to new accounts only and are accurate as of March 1, 2024. *Balance Transfer: Balance transfers can be conducted from the minimum $250 up to your available credit line. **Bonus: Open a new Arvest Visa Signature® or Arvest Platinum personal credit card to qualify for the one-time new account rewards bonus of $150 after spending $500 on eligible purchases within the first three (3) billing cycles of account opening. $150 new account rewards bonus is awarded as 15,000 rewards points in the Arvest Flex Rewards'" program. Arvest Flex Rewards'" is a program that offers 1.5 rewards points for every $1 spent on qualifying purchases made with your Arvest Visa Signature® Credit Card, or 1 rewards point for every $1 spent on qualifying purchases made with your Arvest Platinum Credit Card. Eligible purchases can be made by the primary cardholder or any additional cardholders on a single Card Account. Limit one (1) 15,000 points new account rewards bonus per Card Account. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, convenience check transactions, purchases of traveler's checks, purchases or reloading of prepaid cards or purchases of other cash equivalents. New account rewards bonus points will be applied to your account within three (3) billing cycles after your qualifying purchase(s). To be eligible for the $150 new account rewards bonus offer, the Card Account must be open and not in default as of the date the new account rewards bonus points are applied. Offer subject to change. Additional limitations, terms and conditions may apply. 

Some of the above benefits are provided by Visa® and may vary by product. Certain fees and restrictions may apply and are subject to change. Once your account is opened, we will send you a Guide to Benefits, which includes a full explanation of benefit coverages and registration requirements. You may also view our Guide to Benefits at 

ID Navigator Powered by Nortonlifelock™ No one can prevent all identity theft.