Your Visa® Credit Card Guide To Benefits

Your Visa® Credit Card Guide To Benefits

Benefits in effect as of October 2, 2023

Your Guide to Benefits describes the benefits in effect as of 10/02/23. Benefits information in this guide replaces any prior benefits information You may have received. Please read and retain for Your records. Your eligibility is determined by Your financial institution.

Certain fees, restrictions, limitations and exclusions may apply to some benefits and are subject to change without notice.

ID Navigator Powered by NortonLifeLock

Identity theft continues to evolve and so do NortonLifeLock™ solutions. No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind. ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed of potential threats to your identity, so you can act quickly.

The dark web is continuously patrolled for information that may belong to you, and you're notified if it's found. Should large-scale data breaches occur, NortonLifeLock will keep you informed.

To help detect credit fraud, key changes to your credit file are monitored with One-Bureau Credit Monitoring.1 And if your wallet is stolen, you'll receive guidance to help cancel or replace credit cards, insurance identification and other key documents.

Should you become a victim of identity theft, a U.S.-based Identity Restoration Specialist will help guide you on the next steps to take to help resolve the issue.

As a Visa cardholder, you will also have access to special discounts on other NortonLifeLock™ products. Existing NortonLifeLock ID theft protection members - NortonLifeLock (1-866-228-2261) to discuss your needs if you are interested in ID Navigator Powered by NortonLifeLock.

To confirm eligibility, visit Once verified, you will be redirected to the offer page on where ID Navigator enrollment is available.

Smart tools to help against the evolving threat of identity theft

How ID Navigator Powered by NortonLifeLock can help provide you with greater peace of mind:

  • Dark Web Monitoring: Continuously patrols the dark web and sends notifications to cardholders if their personal information is found. During enrollment, cardholders choose what information is monitored, and they can update this information at any time. 
  • Data Breach Notifications: Sends notifications via email to cardholders on large-scale breaches, so they can act quickly should a breach affect your personal information.
  • Stolen Wallet Assist: Provides guidance to help you cancel or replace debit or credit cards, driver's licenses, Social Security cards, insurance cards and more if their wallet is stolen.
  • One-Bureau Credit Monitoring Alerts:Helps keep cardholders stay on-top of their credit to help detect fraud more quickly. Alerts are sent so they are aware of key changes are made to your credit file with a major credit bureau. During enrollment, cardholders choose preferred communication channels for alerts (e.g., text, email, phone2 and mobile app push notification).
  • Privacy Monitor (NEW for ID Navigator): Gives cardholders personal information and guides them through opting out. 
  • Credit, Bank & Utility Account Freezes: Provides instructions and links to quickly freeze credit, bank and utility files with each consumer reporting company to help protect cardholders against criminals opening unauthorized accounts in your name.
  • Restoration Assist: US-based Identity Restoration Specialists are available Monday to Friday 6a.m. – 5p.m. Pacific time with guidance and next steps to assist cardholders should they become a victim of identity theft or other suspicious activity. Note: Visa cardholders will have access to special discounts if they are interested in purchasing a more robust identity theft offering that includes Restoration features such as the LifeLock Million Dollar Protection™ Package.
  • U.S.-based Member Services & Support: This is available Monday to Friday 6 a.m. – 6 p.m. and Saturday 7 a.m. – 1 p.m. Pacific time.

No one can prevent all cybercrime or all identity theft.

1Two requirements must be met to receive the One-Bureau Credit Monitoring feature: (i) your identity must be successfully verified with Equifax and (ii) Equifax must be able to locate your credit file that contains sufficient credit history information. You will receive Credit Features once the verification process is successfully completed. Any credit monitoring from Equifax will take several days to begin after your successful plan enrollment.

2Phone alerts made during normal local business hours.

Roadside Dispatch®

For roadside assistance, call 1-800-847-2869

What is Roadside Dispatch?

Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with security and convenience wherever your travels take you.

No membership or pre-enrollment is required. No annual dues. No limit on usage.

For a set price per service call, the program provides:

  • Standard Towing – Up to 5 miles included1
  • Tire Changing – must have good, inflated spare
  • Jump Starting
  • Lockout Service (no key replacement)
  • Fuel Delivery – up to 5 gallons (plus the cost of fuel)
  • Standard Winching

Roadside Dispatch will ask you where you are, what the problem is, and while they remain on the phone with you, they will arrange a dispatch to a reliable tow operator or locksmith to provide help. (If you feel you are in an unsafe location – Roadside Dispatch will advise you to hang up and dial 911. If you are not able to dial 911, they will call the non-emergency police number in your area and will remain on the phone with you at your request until the police arrive.) You have the convenience of one toll-free phone number, and you may save money because their rates are pre-negotiated.

Dependable roadside assistance, 24 hours a day, 7 days a week has never been easier. No membership or pre-enrollment is required. Just call Roadside Dispatch toll-free when you need them.

1-800-847-2869 ~ it’s that easy!

Note: Customers must pay service provider for mileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county-maintained road only. Current fee for a standard service call is $69.95. Additional fees may apply for winching services under certain circumstances. Service call fees are subject to change at any time; however, callers will be notified of pricing prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.

1 Any vehicle with wheels is covered under the program as long as it can be classified as ‘Light Duty’. ‘Light Duty’ vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered ‘Medium Duty’ or ‘Heavy Duty’ and are NOT covered under this program.

Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor your financial institution shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other “off road” areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor your financial institution provides any assurances as to the ability of the service provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival.

24-hour roadside assistance services provided by: Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc. a California corporation.

Visa Offers + Perks

Experience exclusive presales, offers, giveaways and benefits from all the things you’re into with Visa Offers + Perks. Refer to for additional details.

Lost/Stolen Card Reporting

Fees may apply for Visa-assisted services.

Arvest Credit Card customers can report lost/stolen cards 24/7/365 by calling Arvest Credit Card customer service at 1-800-356-8085.

Emergency Card Replacement & Emergency Cash Disbursement

This efficient, 24/7/365 world service allows cardholders who are traveling to quickly and easily get a replacement Visa card sent to them and/or receive emergency cash at a convenient location. Call Visa Global Customer Care Services at 1-800-847-2911. Fees may apply for Visa-assisted services.

Zero Liability

With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made with your Arvest Visa card. You’re covered if your card is ever lost, stolen or fraudulently used.

Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact Arvest for more details.

Cardholder Inquiry Service

The Cardholder Inquiry Service provides customer phone support for general inquiries and provides product/service information for Visa cardholders. Visa Global Customer Care Services team provides information regarding general account or card benefit questions. Call Visa Global Customer Care Services at 1-800-847-2911.

  • Quick and accurate account and card benefit information.
  • Product and service information at your fingertips.
  • Customer service available in all major languages.

Toll-free numbers are supported 24 hours a day, seven days a week:

Fees may apply for Visa-assisted services.

Cardholders may request information at no charge from Arvest Credit Card customer service during regular business hours by calling (800) 356-8085.

Dovly UpliftTM for Your Credit Score

In just seconds, you can put Dovly to work helping to fix, manage, and maintain your credit score. A credit score can impact your ability to buy a house or car and improving your score can help save money on everyday expenses, such as auto insurance. Get access to Dovly Uplift free with your Arvest Visa credit card.

Available at no cost, Dovly Uplift offers Visa cardholders:

  • Dovly’s Proprietary Algorithm - which helps detect and dispute inaccurate items on your TransUnion® credit report.
  • Powerful results – 90% of Dovly members see a double-digit score increase within 6 months.1
  • Monthly Credit Report and Score – a detailed TransUnion® credit report and score every month to help you keep up with your credit, a great financial habit.
  • Ongoing Credit Monitoring – alerts any time there is a 10-point change in your credit score.
  • Credit Alerts – alerts for signs of identity theft, along with notice of changes on your report.
  • Live U.S.–Based Member Services & Support available Monday to Friday 8am to 5pm Pacific Standard Time.

Convenient access: Cardholders can access all Dovly Uplift’s features via Dovly’s mobile app and website. Note: Dovly Premium is currently not available to residents of Georgia, Minnesota or Puerto Rico.

While Dovly’s platform is designed to remove inaccuracies from a credit report, every case is different, and not everyone will achieve the same results.

1 Based on a sample of 18,062 Dovly members as of May 2022

Shipt Benefit for Visa

Enroll your Arvest Visa credit card to get 1 month of free Shipt membership, then 3 months of membership at 50% off, with free deliveries on orders $35+.*

  • Order from a variety of your favorite local stores as well as national retailers like CVS and Target. 
  • Shipt Shoppers strive to get your order right – they can even accommodate special requests and last-minute changes.
  • Get groceries, household essentials, and more delivered in as soon as 1 hour.

*Free delivery applies to orders over $35 as part of a Shipt membership. Orders with alcohol may incur a $7 alcohol fee. Additional terms apply. To see a full list of Offer Terms, visit

Sofar Sounds Benefit for Visa

  • Free virtual performances in the Sofar Sounds Listening Room
  • Optional donations can be given to support featured artists

Sofar Sounds is a unique opportunity to explore music in a more personal, intimate way. Every Sofar Sounds show is an experience in discovery and community.

Offer Terms apply. See details at:

Terms & Conditions: Cardholders that successfully validate their qualifying Visa consumer credit card issued in all 50 US states and D.C. (“Eligible Cardholders”) can redeem the Offer (defined below) at Eligible Cardholders can redeem the following “Offer”: (i) access to an exclusive ticket presale window for select Sofar Sounds shows (identified with the Visa designation) 7 days before the select Sofar Sounds shows are made available to the general public; and (ii) 1 additional free ticket per show with a ticket purchase of one or more tickets. Offer is subject to modification or cancellation without notice. Offer is non-refundable, non-transferable and cannot be resold. Offer is subject to all applicable federal, state, and local laws and regulations. Void where prohibited. All purchasers are subject to Sofar Sounds Terms and Conditions ( and_conditions) and Privacy Policy (

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