Arvest Credit Cards

The information about the costs of the card described in this application is accurate as of November 2018. This information may have changed after that date. To find out what may have changed, call us at (800) 356-8085, write to us at PO Box 6139, Norman, OK 73070 or go to


Interest Rates and Interest Charges

Annual Percentage Rate(APR) for Purchases, Balance Transfers and Cash Advances

4.9% introductory APR for 6 months.

After that, your APR will be 21.0% for standard VISA® accounts; 17.40% for VISA® Gold accounts or 14.40% VISA® Platinum accounts. This APR will vary with the market based on the Prime Rate.

Penalty APR and When It Applies


Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge


For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at


Annual Fee


Transaction Fees


  • Balance Transfer
  • Cash Advance
  • Foreign Transaction


Either $4 or 4% of the amount of each cash advance, whichever is greater.

1% of each transaction in U.S. dollars.

Penalty Fees


  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment




Other Fees


How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Download PDF of the Terms and Conditions