Arvest Credit Cards

The information about the costs of the card described in this application is accurate as of November 4, 2019. 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 arvest.com/creditcards.

 

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

0% introductory APR for 12 billing cycles from date of account opening.


After that, your APR will be 21.00% for VISA® Classic accounts; 17.15% for VISA® Gold accounts or 14.15% for VISA® Platinum accounts. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Balance Transfers

0% introductory APR for 12 billing cycles from date of account opening.


After that, your APR will be 21.00% for VISA® Classic accounts; 17.15% for VISA® Gold accounts or 14.15% for VISA® Platinum accounts. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Cash Advances

21.00% for VISA® Classic accounts; 17.15% for VISA® Gold accounts or 14.15% for VISA® Platinum accounts. This APR will vary with the market based on the Prime Rate.

Penalty APR and When It Applies

None

How to Avoid Paying Interest on Purchases

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

None

For Credit Card Tips from the Consumer Financial Protection Bureau

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 www.consumerfinance.gov/learnmore.


Fees

Annual Fee

None

Transaction Fees

 

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

None

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

$20

$25

$25

Other Fees

None


How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your Cardholder Agreement for more details. For existing cardholders, to request a copy of your cardholder agreement, please call us at (800) 356-8085 or write to us at PO Box 6139, Norman, OK 73070.

Balance Transfer: Minimum balance transfer amount is $250 per transfer.

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

Download PDF of the Terms and Conditions