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Arvest True Rate Credit Card
When it comes to saving money, rates matter


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Special 0% Introductory APR*

Enjoy our introductory APR on purchases and balance transfers* for 12 billing cycles. After that, your rate will be based on creditworthiness, currently 14.49% – 23.49%.

Arvest True Rate™ Credit Card

Simplify and save with an Arvest True Rate™ Credit Card. Enjoy an even lower introductory APR on balance transfers and purchases as well as value-added extras such as: 

  • Competitively low everyday APR*
  • No annual fee1 
  • 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. 

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To learn more about all credit card options, visit http://www.arvest.com/creditcards

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Account Disclosure

1Pricing and Terms

Additional information about the Arvest True Rate™  Credit Card or Arvest Credit Card Options  is available online or by calling us at (866) 952-9523.

Subject to 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 14.49% - 23.49% 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. Foreign transaction fee is 3% of the transaction amount. 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. 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 arvest.com/creditcards.