| Rewards | 1 point per $1 on eligible purchases. |
|---|---|
| Signup Bonus | There is a 0% introductory APR on purchases (and balance transfers) for the first 12 billing cycles. |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 24.99% variable, based on the prime rate. |
| Cash Advance Fee | Either $4 or 4% of the amount (whichever is greater) for each cash advance. |
| Late Payment Fee | $25 |
| Purchases APR | 13.24%–20.24% variable, depending on creditworthiness. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Arvest Platinum Credit Card is known for its no-annual-fee structure, simple rewards, and a 12-month 0% introductory APR on purchases and balance transfers. It earns 1 point per $1 through Arvest Flex Rewards, which can be redeemed for cash back, travel, or merchandise. While it’s not a flashy rewards card, it’s built for straightforward, low-cost everyday use.
Most users say they appreciate the easy-to-understand rewards and the generous intro APR, especially for financing larger purchases without interest. Many reviewers mentioned that the customer service is responsive and that the card integrates smoothly with Arvest checking accounts.
On the downside, users often point out that the rewards rate is basic, especially compared with national cash-back cards offering 2% or category bonuses. Some also noted that the benefits are minimal—no travel perks, no sign-up bonus, and few extra features beyond the intro APR.
Personally, I think the Arvest Platinum is a solid pick for anyone who wants a low-cost credit card with simple rewards and a strong intro APR, especially if you already bank with Arvest. But if you’re chasing high rewards or premium perks, there are definitely better options out there.
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Bro sorry, but some error occurred :O
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lifesaver
I had some unexpected repairs last month, and this card's low interest rate and generous credit limit made covering the costs stress free.
