Enjoy Low Intro Rates
With an Arvest Personal Credit Card Account

Account Disclosure Information

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 14.49% - 23.49% APR; for Arvest Visa Signature^® and Arvest Platinum cards, between 18.49% - 24.99% 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 September 1, 2023. *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 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.