Enjoy Low Intro Rates
With an Arvest Personal Credit Card Account
0% Introductory APR*
on purchases and balance transfers* for 12 billing cycles. After that, rate will be based on creditworthiness.
For Arvest True Rate™ Credit Cards, between
9.24% to 18.24%
For Arvest Visa Signature® and Arvest Platinum Credit Cards, between
13.24% to 20.24%
To apply for an Arvest personal credit card, visit your local Arvest branch or apply online from the links below.
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 APR with no annual fee*
- Visa's Zero Liability protection
- Online and mobile card management options
Learn more about Arvest True Rate™ Credit Cards.
Arvest Flex Rewards™ Credit Cards
Earn rewards for everyday purchases with the Arvest Visa Signature® card and Arvest Platinum Credit Card.
- No annual fee and low introductory APR*
- Earn rewards points for eligible purchases
- Spend rewards points for things like cash back, statement credits, gift cards, travel, entertainment and more!
Learn more about Arvest Flex Rewards™ Credit Cards.
Earn A $150 New Account Rewards Bonus**
Enjoy cash back, flights, experiences in new places, shopping at your favorite retailers, dining out and more – all yours with automatic enrollment in the Arvest Flex Rewards™ program when you open a new Arvest Visa Signature® card or Arvest Platinum Credit Card account. You'll receive rewards points when you use your card to make eligible purchases. Plus, you can earn up to a $150 bonus (awarded as 15,000 Arvest Flex Rewards™ points) in your first three months using the card.**
Easily redeem rewards points and manage your Arvest Flex Rewards™ account online.
Arvest Credit Cards subject to credit approval. When you apply for a personal credit card with Arvest Flex Rewards™, Arvest will offer you the higher-valued product for which you qualify, either Arvest Visa Signature® or Arvest Platinum card, based on your creditworthiness upon 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: For Arvest True Rate card, between 9.24% and 18.24% APR; for Arvest Visa Signature® and Arvest Platinum cards, between 13.24% and 20.24% 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 for Arvest True Rate personal credit card. Late payment and returned check fees are $25 each. Rates apply to new accounts only and are accurate as of August 16, 2020. *Balance Transfer: Balance transfers can be conducted from the minimum $250 up to your available credit line. **Bonus: Open a new Arvest Visa Signature® or Arvest Platinum personal credit card to qualify for the one-time new account rewards bonus of $150 after spending $500 on eligible purchases within the first three (3) billing cycles of account opening. $150 new account rewards bonus is awarded as 15,000 rewards points in the Arvest Flex Rewards™ program. Arvest Flex Rewards™ is a program that offers 1.5 rewards points for every $1 spent on qualifying purchases made with your Arvest Visa Signature® Credit Card, or 1 rewards point for every $1 spent on qualifying purchases made with your Arvest Platinum Credit Card. Eligible purchases can be made by the primary cardholder or any additional cardholders on a single Card Account. Limit one (1) 15,000 points new account rewards bonus per Card Account. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, convenience check transactions, purchases of traveler's checks, purchases or reloading of prepaid cards or purchases of other cash equivalents. New account rewards bonus points will be applied to your account within three (3) billing cycles after your qualifying purchase(s). To be eligible for the $150 new account rewards bonus offer, the Card Account must be open and not in default as of the date the new account rewards bonus points are applied. For complete details, ask an Arvest associate or go to arvest.com/zero. Offer valid starting August 16, 2020. 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. Once your account is opened, we will send you a Guide to Benefits, which includes a full explanation of benefit coverages. You may also view our Guide to Benefits at arvest.com/creditcards.