Your Visa Signature® Card Guide to Benefits

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YOUR VISA SIGNATURE® CARD GUIDE TO BENEFITS

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Benefits in effect as of April 1, 2017

Your Visa Signature® Guide to Benefits describes the benefits in effect as of 4/1/17. Benefits information in this guide replaces any prior benefits information you may have received. Please read and retain page location for your records. Your eligibility is determined by your financial institution.

Your Arvest Visa Signature® card is your passport to everyday rewards and once-in-a-lifetime experiences. In addition to the Relationship Rewards you earn, you have instant access to special perks and benefits like these:

  • Explore your world with incredible travel packages, select savings and upgrades. Also, enjoy a premium collection of benefits at a selection of the world’s most intriguing and prestigious properties with the Visa Signature Luxury Hotel Collection at visasignaturehotels.com.
  • Enjoy unique dining experiences, special benefits and discounts from top retailers.
  • Let your complimentary Visa Signature Concierge* service help with travel and entertainment plans, dining reservations and more.

Please retain this web page location for the future. It describes in detail some of the important perks and benefits available to you, and will help you enjoy your Arvest card. Look below for additional information on Visa Signature card perks and benefits.

* Arvest Visa Signature cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at visasignatureconcierge.com.

For questions about your balance or account activity, call the toll-free customer service number on the back of your Arvest card. For questions or assistance regarding these benefits and features, call the number on the back of your card, or (800) 397-9010.

Presenting Your Visa Signature Perks and Benefits*

Visa Signature lifestyle benefits include a range of offers and special benefits for Visa Signature cardholders in the following categories: travel, entertainment, fine wine and food, sports and shopping.

Refer to usa.visa.com/pay-with-visa/cards/visa-creditcards/visa-signature-credit-cards.

Travel & Hotels

Receive savings and upgrades on travel. Plus, exclusive benefits at a collection of over 900 of the world’s finest properties at visasignaturehotels.com.

Entertainment

Experience the most out of life with insider connections from your Arvest Visa Signature card.

Fine Wine & Food

Indulge your passion for everything gourmet with unique dining events and special offers.

Sports

Access popular sporting events and other discounts.

Visa Signature Concierge**

Save time and make your life easier with the complimentary Visa Signature Concierge service. Just call anytime, 24 hours a day to get help finding tickets to the top sports and entertainment events, booking travel, making dinner reservations, and even finding the perfect gift. Call (800) 953-7392 for assistance. For calls outside the United States, call us collect at (630) 350-4551.

Shopping

Enjoy discounts and special offers at premium retailers, from jewelry to apparel and electronics.

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 (800) 847-2911. Fees may apply for Visa-assisted services.

Year-End Summary Statement

At your option, receive a detailed summary of Visa Signature spending during the year for convenient budget analysis and financial planning.

Extended Warranty Protection

Get double the time period of the original manufacturer’s written U.S. repair warranty up to one (1) additional year on warranties of three (3) years or less when you purchase an eligible item entirely with your eligible Visa Signature card. You can also enjoy convenient features like warranty registration.

Lost/Stolen Card Reporting

This 24/7/365 world service saves you valuable time if you need to report a lost or stolen Visa card. Call Visa Global Customer Care Services at (800) 847-2911. Fees may apply for Visa assisted services.

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

Roadside Dispatch®

Offers you a 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, and locksmith services giving you peace of mind when you’re out on the road. Call (800) 847-2869 for further details.

Travel & Emergency Assistance Services

Get help coordinating medical, legal, and travel services while you’re away from home. The cost of any goods or services is your responsibility.

Auto Rental Collision Damage Waiver

Receive coverage, at no additional cost, for damage due to collision or theft. Just charge your entire rental transaction to your eligible Visa Signature card and decline the rental company’s collision damage waiver (or loss damage waiver).

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 (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: usa.visa.com/dam/VCOM/download/personal/security/gcas_general_numbers.

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.

For more details go to visa.com/signature.

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

** Arvest Visa Signature cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability.

See full terms of service at visasignatureconcierge.com.

Extended Warranty Protection

Product warranties can be inconvenient and cumbersome to use. Let’s say You purchased a great gadget about a year ago, but it just stopped working, and You can’t find Your sales receipt and warranty information. For all too common situations like these, Extended Warranty Protection can help.

Extended Warranty Protection provides You with valuable features that help You manage, use and extend the warranties for eligible items purchased on Your covered Account and/or rewards program associated with Your covered Account. Services include Warranty Registration and Extended Protection. You are eligible for this benefit if You are a cardholder of an eligible card issued in the United States and You purchase either a portion or the entire cost of the item using Your Account and/or rewards program associated with Your covered Account.

Here’s How Warranty Registration Works

When You purchase an eligible item that carries a manufacturer’s warranty, You can register Your purchase by calling (800) 397-9010 or call collect outside the U.S. at (303) 967-1093. You can also register Your purchase online at www.cardbenefitservices.com.

The Benefit Administrator will tell You where to send Your item’s sales receipt and warranty information, so they can be kept on file should You need them.

If You choose not to register Your item, be sure to keep Your monthly billing statement reflecting the purchase, the itemized sales receipt, the original manufacturer’s written U.S. warranty and any additional warranty in a safe place. These documents will be required to verify Your claim.

Here’s How Extended Protection Works

Your warranty coverage can be doubled up to one (1) additional year on eligible warranties of three (3) years or less. For example, a manufacturer’s warranty of three (3) months would be provided with an additional three (3) months of coverage for a combined total of six (6) months of coverage, and a warranty for six (6) months would be provided with an additional six (6) months of coverage for a combined total of twelve (12) months of coverage. However, if the manufacturer’s warranty is for three (3) years, it would only be extended one (1) additional year for a combined total of four (4) years of coverage.

This benefit is limited to no more than the original price of the purchased item (as shown on Your credit card receipt), less shipping and handling fees, up to a maximum of ten thousand dollars ($10,000.00) per claim, and fifty thousand dollars ($50,000.00) per cardholder.

The benefit covers purchases made both inside and outside the U.S. The eligible item must have a valid original manufacturer’s U.S. repair warranty of three (3) years or less, store-purchased dealer warranty, or an assembler warranty.

What Extended Protection Does Not Cover

  • Boats, automobiles, aircraft, and any other motorized vehicles and their motors, equipment, or accessories, including trailers and other items that can be towed by or attached to any motorized vehicle
  • Any costs other than those specifically covered under the terms of the original manufacturer’s written U.S. repair warranty, as supplied by the original manufacturer, or other eligible warranty
  • Items purchased for resale, professional, or commercial use
  • Real estate and items which are intended to become part of real estate including, but not limited to, items that are hard-wired or hard-plumbed, garage doors, garage door openers, and ceiling fans
  • Rented or leased items
  • Computer software
  • Medical equipment
  • Used or pre-owned items (Refurbished items will be covered as long as it has a warranty with it and would not be considered used or pre-owned.)

Filing an Extended Protection Claim

To file a claim, call the Benefit Administrator at (800) 397-9010 or call collect outside the U.S. at (303) 967-1093, immediately after the failure of Your covered item. Please note if You do not notify the Benefit Administrator within sixty (60) days of product failure, Your claim may be denied.

The Benefit Administrator will request preliminary claim information, direct You to the appropriate repair facility, and send You the claim form. Gift recipients of eligible items are also covered, but they must provide all the documents needed to substantiate their claim.

If You received or purchased a service contract or an extended warranty when You purchased Your item, this benefit will be supplemental to, and in excess of, that coverage.

What You Must Submit to File a Claim

Fill out and sign the claim form the Benefit Administrator sent You, then submit the form within ninety (90) days of the product failure, along with the following documents:

  • A copy of Your monthly billing statement (showing the last four [4] digits of the Account number) demonstrating that the purchase was made on Your eligible Account and/or rewards program associated with Your covered Account
  • If more than one method of payment was used, please provide documentation as to additional currency, voucher, points or any other payment method utilized
  • A copy of the itemized sales receipt
  • A copy of the original manufacturer’s written U.S. warranty, and any other applicable warranty
  • A description of the item and its serial number, and any other documentation deemed necessary to substantiate Your claim (this includes bills and, if necessary, a copy of the maintenance record and receipts)
  • The original repair estimate or repair bill, indicating cause of failure
  • Any other documentation deemed necessary by the Benefit Administrator to substantiate the claim

All claims must be fully substantiated.

For faster filing, or to learn more about Extended Warranty Protection, visit www.cardbenefitservices.com

How Will I Be Reimbursed?

If You have substantiated Your claim and met the terms and conditions of the benefit, Your item will be replaced or repaired at the Benefit Administrator’s discretion, but for no more than the original purchase price of the covered item, as recorded on Your credit card receipt, less shipping and handling fees, up to a maximum of ten thousand dollars ($10,000.00) per claim, and a maximum of fifty thousand dollars ($50,000.00) per cardholder. You will only be reimbursed up to the amount charged to Your Account or the program limit, whichever is less.

Under normal circumstances, reimbursement will occur within five (5) business days of the receipt and approval of all required documents.

If Your item is to be repaired, You may go to an authorized repair facility and file a claim for reimbursement. Only valid and reasonable repairs made at the manufacturer’s authorized repair facility are covered.

In either case, the Benefit Administrator’s payment, replacement, or repair made in good faith will fulfill the obligation under this benefit.

Definitions

Account means Your credit or debit card Accounts.

Eligible Person means a cardholder who pays for their purchase by using their eligible Account and/or rewards program associated with their covered Account.

You or Your means an Eligible Person who purchase their item to their eligible Account and/or rewards program associated with their covered Account.

Additional Provisions for Extended Protection

  • Signed or pinned transactions are covered as long as You use Your eligible card to secure the transaction.
  • You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be unreasonably applied to avoid claims.
  • If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim, and Your benefit may be cancelled. Each cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.
  • No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives Proof of Loss. No legal action against the Provider may be brought more than two (2) years after the time for giving Proof of Loss. Further, no legal action may be brought against the Provider unless all the terms of the Guide to Benefits have been complied with fully.
  • This benefit is provided to eligible cardholders at no additional cost. The terms and conditions contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages or electronic notification. The benefits described in this Guide will not apply to cardholders whose Accounts have been suspended or cancelled.
  • Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in advance. Indemnity Insurance Company of North America (“Provider”) is the underwriter of these benefits and is solely responsible for its administration and claims. The Benefit Administrator provides services on behalf of the Provider.
  • After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment made to You. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.
  • This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.

Travel & Emergency Assistance Services

Emergencies can escalate quickly when You are traveling away from home. Something that is relatively straight forward when You are not traveling, like replacing prescription medication, can be a difficult task when You are dealing with local laws or language barriers.

Travel and Emergency Assistance Services are made available to help You in case of an emergency while You are traveling away from home. The Benefit Administrator can connect You with the appropriate local emergency and assistance resources available, 24 hours a day, 365 days a year.

Please note that due to occasional issues such as distance, location, or time, neither the Benefit Administrator nor its service providers can be responsible for the availability, use, cost, or results of any medical, legal, transportation, or other services.

What Are Travel/Emergency Assistance Services & How Do I Use These Services When I Need Them?

Travel and Emergency Assistance Services are made available to You, if You are a cardholder of an eligible card issued in the United States. Your spouse and children (dependents under 22 years old) are also eligible to use these services.

Travel and Emergency Assistance Services provide assistance and referral only. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other services or goods provided.

To use the services, simply call the toll-free, 24-hour Benefit Administrator line at (800) 397-9010. If You are outside the United States, call collect at (303) 967-1093.

What Are the Specific Services & How Can They Help Me?

Emergency Message Service

Can record and relay emergency messages for travelers or their immediate family members. The Benefit Administrator will use reasonable efforts to relay emergency messages in accordance with benefit guidelines and limitations, but cannot take responsibility for the failure to transmit any message successfully. All costs are Your responsibility.

Medical Referral Assistance

Provides medical referral, monitoring, and follow-up. The Benefit Administrator can give You names of local English-speaking doctors, dentists, and hospitals; assign a doctor to consult by phone with local medical personnel, if necessary, to monitor Your condition; keep in contact with Your family, and provide continuing liaison; and help You arrange medical payments from Your personal account. All costs are Your responsibility.

Legal Referral Assistance

Can arrange contact with English-speaking attorneys and U.S. embassies and consulates if You’re detained by local authorities, have a car accident, or need legal assistance. In addition, the Benefit Administrator can coordinate bail payment from Your personal account. The Benefit Administrator can also follow up to make sure bail has been properly handled. All costs are Your responsibility.

Emergency Transportation Assistance

Can help You make all the necessary arrangements for emergency transportation home or to the nearest medical facility. This includes arranging to bring Your Young children home and helping You stay in contact with family members or employers during the emergency. In the case of a death, the Benefit Administrator can make arrangements to repatriate the remains. All costs are Your responsibility.

Emergency Ticket Replacement

Helps You through Your carrier’s lost ticket reimbursement process and assists in the delivery of a replacement ticket to You, should You lose Your ticket. All costs are Your responsibility.

Lost Luggage Locator Service

Can help You through the Common Carrier’s claim procedures or can arrange shipment of replacement items if an airline or Common Carrier loses Your checked luggage. You are responsible for the cost of any replacement items shipped to You.

Emergency Translation Services

Provides telephone assistance in all major languages and helps find local interpreters, if available, when You need more extensive assistance. All costs are Your responsibility.

Prescription Assistance & Valuable Document Delivery Arrangements

Can help You fill or replace prescriptions, subject to local laws, and can arrange pickup and delivery of Your prescriptions filled for You at local pharmacies. It can also help transport critical documents that You may have left at Your home or elsewhere. All costs are Your responsibility.

Pre-Trip Assistance

Can give You information on Your destination before You leave such as ATM locations, currency exchange rates, weather reports, health precautions, necessary immunizations, and required passport visas.

Definitions

Common Carrier means any mode of transportation by land, water or air operating for hire under a license to carry passengers for which a ticket must be purchased prior to travel. Does not include taxi, limousine service, commuter rail or commuter bus lines.

You or Your means an eligible person whose name is embossed on an eligible U.S. issued card, and You reside in the United States.

Additional Provisions for Travel & Emergency Assistance Services

This benefit is provided to eligible cardholders at no additional cost. The terms and conditions contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages or electronic notification. The benefits described in this Guide to Benefits will not apply to cardholders whose accounts have been suspended or cancelled.

Auto Rental Collision Damage Waiver

No cardholder wants to incur the expense of repairing or replacing a rented car. But accidents do happen, and vehicles do get stolen. No matter what happens to Your rental car, You can be covered with Auto Rental Collision Damage Waiver.

Auto Rental Collision Damage Waiver reimburses You for damages caused by theft or collision — up to the Actual Cash Value of most rented cars. Auto Rental Collision Damage Waiver covers no other type of loss. For example, in the event of a collision involving Your rented vehicle, damage to any other driver’s car or the injury of anyone or anything is not covered. Rental periods of fifteen (15) consecutive days within Your country of residence, and thirty-one (31) consecutive days outside it, are both covered (longer rental periods, however, are not covered).

You are eligible for this benefit if Your name is embossed on an eligible card issued in the United States and You use it to initiate and complete Your entire car rental transaction. Only You as the primary car renter and any additional drivers permitted by the Rental Car Agreement are covered.

How Auto Rental Collision Damage Waiver Works With Other Insurance

Auto Rental Collision Damage Waiver covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary towing charges, due to a covered theft or damage to the nearest qualified repair facility.

If You do have personal automobile insurance or other insurance that covers theft or damage, this benefit reimburses You for the deductible portion of Your car insurance or other insurance, along with any unreimbursed portion of administrative and loss-of-use charges imposed by the car rental company, as well as reasonable towing charges while the car was Your responsibility.

If You do not have personal automobile insurance or any other insurance, the benefit reimburses You for covered theft, damage, or administrative and loss-of-use charges imposed by the rental company, as well as reasonable towing charges that occur while You are responsible for the vehicle.

If You are renting outside of Your country of residence, the coverage provided under this benefit is primary and reimburses You for covered theft, damage, or administrative and loss-of-use charges imposed by the rental company, as well as reasonable towing charges that occur while You are responsible for the vehicle.

How to Use Auto Rental Collision Damage Waiver

  1. Use Your card to initiate and complete Your entire car rental transaction.
  2. Review the auto rental agreement and decline the rental company’s collision damage waiver (CDW/LDW) option, or a similar provision, as accepting this coverage will cancel out Your benefit. If the rental company insists that You purchase their insurance or collision damage waiver, call the Benefit Administrator for assistance at (800) 397-9010. Outside the United States, call collect at (303) 967-1093.

Before You leave the lot, be sure to check the car for any prior damage.

This benefit is in effect during the time the rental car is in Your (or an authorized driver’s) control, and it terminates when the rental company reassumes control of their vehicle.

This benefit is available in the United States and most foreign countries (with the exception of Israel, Jamaica, the Republic of Ireland or Northern Ireland). However, this benefit is not available where precluded by law, or where it’s in violation of the territory terms of the auto rental agreement, or when prohibited by individual merchants. Because regulations vary outside the United States, check with Your auto rental company and the Benefit Administrator before You travel, to be sure that Auto Rental Collision Damage Waiver will apply.

Vehicles Not Covered

Certain vehicles are not covered by this benefit, they consist of: expensive, exotic, and antique cars; cargo vans; certain vans; vehicles with an open cargo bed; trucks; motorcycles; mopeds; motorbikes; limousines; and recreational vehicles.

Examples of expensive or exotic cars are the Alfa Romeo, Aston Martin, Bentley, Corvette, Ferrari, Jaguar, Lamborghini, Lotus, Maserati, Maybach, McLaren, Porsche, Rolls Royce, and Tesla. However, selected models of Audi, BMW, Mercedes-Benz, Cadillac, Infiniti, Land Rover, Lexus, Lincoln, and Range Rover are covered.

An antique car is defined as one that is over twenty (20) years old, or one that has not been manufactured for ten (10) years or more.

Vans are not covered. But those designed as small-group transportation vehicles (seating up to nine (9) people, including the driver) are covered.

If You have questions about a specific vehicle’s coverage or organization where the vehicle is being reserved, call the Benefit Administrator at (800) 397-9010, or call collect outside the United States at (303) 967-1093.

Related Instances & Losses Not Covered

  • Any obligation You assume under any agreement (other than the deductible on Your personal auto policy)
  • Any violation of the auto rental agreement or this benefit
  • Injury of anyone, or damage to anything, inside or outside the Rental Vehicle
  • Loss or theft of personal belongings
  • Personal liability
  • Expenses assumed, waived, or paid by the auto rental company, or its insurer
  • The cost of any insurance, or collision damage waiver, offered by or purchased through the auto rental company
  • Depreciation of the Rental Vehicle caused by the incident including, but not limited to, “diminished value”
  • Expenses reimbursable by Your insurer, employer, or employer’s insurance
  • Theft or damage due to intentional acts, or due to the driver(s) being under the influence of alcohol, intoxicants, or drugs, or due to contraband, or illegal activities
  • Wear and tear, gradual deterioration, or mechanical breakdown
  • Items not installed by the original manufacturer
  • Damage due to off-road operation of the Rental Vehicle
  • Theft or damage due to hostility of any kind (including, but not limited to, war, invasion, rebellion, insurrection, or terrorist activities)
  • Confiscation by authorities
  • Vehicles that do not meet the definition of covered vehicles
  • Rental periods that either exceed, or are intended to exceed, fifteen (15) consecutive days, within Your country of residence, or thirty-one (31) days outside Your country of residence
  • Leases and mini leases
  • Theft or damage as a result of the authorized driver’s and/or cardholder’s lack of reasonable care in protecting the Rental Vehicle before and/or after damage or theft occurs (for example, leaving the car running and unattended)
  • Theft or damage reported more than forty-five (45) days* after the date of the incident
  • Theft or damage for which a claim form has not been received within ninety (90) days* from the date of the incident
  • Theft or damage for which all required documentation has not been received within three hundred and sixty-five (365) days after the date of the incident
  • Theft or damage from rental transactions that originated in Israel, Jamaica, the Republic of Ireland, or Northern Ireland

*Not applicable to residents in certain states

Filing a Claim

It is Your responsibility as a cardholder to make every effort to protect Your Rental Vehicle from damage or theft. If You have an accident, or Your Rental Vehicle has been stolen, immediately call the Benefit Administrator at (800) 397-9010 to report the incident, regardless of whether Your liability has been established. Outside the United States, call collect at (303) 967-1093.

You should report the theft or damage as soon as possible but no later than forty-five (45) days from the date of the incident. The Benefit Administrator reserves the right to deny any claim containing charges that would not have been included, if notification occurred before the expenses were incurred. Thus, it’s in Your best interest to notify the Benefit Administrator immediately after an incident. Reporting to any other person will not fulfill this obligation.

What You Must Submit to File a Claim

At the time of the theft or damage, or when You return the Rental Vehicle, ask Your car rental company for the following documents:

  • A copy of the accident report form
  • A copy of the initial and final auto rental agreements (front and back)
  • A copy of the repair estimate and itemized repair bill
  • Two (2) photographs of the damaged vehicle, if available
  • A police report, if obtainable
  • A copy of the demand letter which indicates the costs You are responsible for and any amounts that have been paid toward the claim.

Submit all of the above documents from the rental company, along with the following documents, to the Benefit Administrator:

  • The completed and signed Auto Rental Collision Damage Waiver claim form (Important: This must be postmarked within ninety (90) days* of the theft or damage date, even if all other required documentation is not yet available – or Your claim may be denied).
  • A copy of Your monthly billing statement (showing the last four [4] digits of the Account number) demonstrating that the entire rental transaction was made on Your eligible Account.
  • A statement from Your insurance carrier (and/or Your employer or employer’s insurance carrier, if applicable), or other reimbursement showing the costs for which You are responsible, and any amounts that have been paid toward the claim. Or, if You have no applicable insurance or reimbursement, a statement of no insurance or reimbursement is required.
  • A copy of Your primary insurance policy’s Declarations Page (if applicable) to confirm Your deductible (This means the document(s) in Your insurance policy that lists names, coverages, limits, effective dates, and deductibles).
  • Any other documentation required by the Benefit Administrator to substantiate the claim.

Finally, please note that all remaining documents must be postmarked within three hundred and sixty-five (365) days* of the theft or damage date or Your claim may be denied.

*Not applicable to residents of certain states.

For faster filing, or to learn more about Auto Rental Collision Damage Waiver, visit www.eclaimsline.com

Finalizing Your Claim

Your claim will typically be finalized within 15 (fifteen) days, after the Benefit Administrator has received all the documentation needed to substantiate Your claim.

Transference of Claims

Once Your claim has been paid, all Your rights and remedies against any party in regard to this theft or damage will be transferred to the Benefit Administrator, to the extent of the cost of payment made to You. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.

Definitions

Account means Your credit or debit card Accounts.

Actual Cash Value means the amount a Rental Vehicle is determined to be worth based on its market value, age and condition at the time of loss.

Eligible Person means a cardholder who pays for their auto rental by using their eligible Account.

Rental Car Agreement means the entire contract an eligible renter receives when renting a Rental Vehicle from a rental car agency which describes in full all of the terms and conditions of the rental, as well as the responsibilities of all parties under the contract.

Rental Vehicle means a land motor vehicle with four or more wheels as described in the participating organization’s disclosure statement which the eligible renter has rented for the period of time shown on the Rental Car Agreement and does not have a manufacturer’s suggested retail price exceeding the amount shown on the participating organization’s disclosure statement.

You or Your means an Eligible Person who uses their eligible card to initiate and complete the rental car transaction.

Additional Provisions for Auto Rental Collision Damage Waiver

  • Signed or pinned transactions are covered as long as You use Your eligible Account to secure the transaction.
  • You shall do all things reasonable to avoid or diminish any loss covered by this benefit. This provision will not be unreasonably applied to avoid claims.
  • If You make any claim knowing it to be false or fraudulent in any respect, no coverage shall exist for such claim, and Your benefit may be cancelled. Each cardholder agrees that representations regarding claims will be accurate and complete. Any and all relevant provisions shall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.
  • No legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives Proof of Loss. No legal action against the Provider may be brought more than two (2) years after the time for giving Proof of Loss. Further, no legal action may be brought against the Provider unless all the terms of the Guide to Benefits have been complied with fully.
  • This benefit is provided to eligible cardholders at no additional cost. The terms and conditions contained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms and conditions may be provided via additional Guide to Benefits mailings, statement inserts, statement messages or electronic notification. The benefits described in this Guide to Benefits will not apply to cardholders whose Accounts have been suspended or cancelled.
  • Termination dates may vary by financial institutions. Your financial institution can cancel or non-renew the benefits for cardholders, and if they do, they will notify You at least thirty (30) days in advance. Indemnity Insurance Company of North America (“Provider”) is the underwriter of these benefits and is solely responsible for its administration and claims. The Benefit Administrator provides services on behalf of the Provider.
  • After the Benefit Administrator has paid Your claim, all Your rights and remedies against any party in respect of this claim will be transferred to the Benefit Administrator to the extent of the payment made to You. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.
  • This benefit does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit the provision of insurance, including, but not limited to, the payment of claims.

Receive Statement Credit for Either Global Entry or TSA PreCheck

Apply for either Global Entry or TSA PreCheck, expedited airport security program, using your Arvest Visa Signature card to pay your application fee (currently either $100 or $85) and receive either a $100 or $85 statement credit.

Global Entry is a U.S. Customs and Border Protection program that allows expedited clearance for pre-screened, low-risk travelers upon arrival in the United States by using automated kiosks located at select airports.

TSA PreCheck is an expedited airport security program that allows low-risk travelers within the United States to speed through security at select airports.

For more information about Global Entry and the application process, visit http://www.cbp.gov/global-entry/about.

For more information about TSA PreCheck and the application process, visit https://www.tsa.gov/precheck.

Terms & Conditions:

  • You must be an eligible U.S. Visa Signature cardholder to participate in this offer.
  • You must use the U.S.-issued Visa Signature card to complete either the Global Entry or TSA PreCheck application and pay either a $100 or an $85 application fee with your Arvest Visa Signature card.
  • Global Entry is a U.S. Government program, operated by U.S. Customs and Border Protection (CBP). Visa and Arvest have no control over the program including, but not limited to, application, approval process or enrollment, fees charged by CBP, and no liability with regards to the Global Entry program. For complete details on the Global Entry program, including full terms and conditions, go to http://www.cbp.gov/global-entry/about.
  • TSA PreCheck is a U.S. Government program administered by the Transportation Security Administration (“TSA”), a component of the U.S. Department of Homeland Security (“DHS”). Visa and Arvest have no control over the program including, but not limited to, application, approval process or enrollment, fees charged by TSA, and no liability with regards to the TSA PreCheck program. For complete details on the TSA PreCheck program, including full terms and conditions, go to https://www.tsa.gov/precheck. TSA PreCheck trademark is used with the permission of the U.S. Department of Homeland Security.
  • Global Entry currently also includes TSA PreCheck benefits when departing U.S airports. Travelers must include their Global Entry PASS ID # (located on the back of Global Entry card) into travel reservations to activate their TSA PreCheck benefit.
  • Either a $100 or $85 statement credit will be processed after either the Global Entry or TSA PreCheck program application fee has been charged to an eligible card. Holders of eligible cards are entitled to either one (1) $100 or one (1) $85 statement credit per eligible Visa Signature account number every four (4) years in connection with either the Global Entry or TSA PreCheck program application fee. Please allow 6-8 weeks after either the Global Entry or TSA PreCheck program application fee is charged to an eligible Visa Signature card for a statement credit to be posted to your account.
  • Cardholders are responsible for payment of all charges until the statement credit posts to the account.
  • Visa and Arvest reserve the right to modify or cancel this offer at any time and without notice.

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.

Roadside Dispatch®

For roadside assistance, call (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.

(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 Arvest Bank 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 Arvest Bank 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.

©2018 Visa. All Rights Reserved.