| Rewards | Receive 1 point per $1 spent |
|---|---|
| Signup Bonus | 4.9% APR for purchases, cash advances and balance transfers for the first 6 months |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 19.90% (APR is subject to change) |
| Cash Advance Fee | Either $4 or 4%, whichever is greater |
| Late Payment Fee | $20 |
| Purchases APR | 19.90% (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
I opened this card because I already bank with Arvest. It is simple and it works okay. Rewards are small and there are not many extra benefits. It is fine for basic spending but nothing exciting.