Arvest Credit Card Options

To apply for an Arvest personal credit card, visit your local branch or apply online using the links above.

For existing cardholders, to request a copy of your cardholder agreement, please call us at (800) 356-8085 or write to us at P.O. Box 235, Lowell, AR 72745.

Arvest Credit Cards are subject to credit approval.

*Introductory Rate: 0% introductory Annual Percentage Rate (APR) is valid on purchases and balance transfers as follows: Arvest Cobalt^℠ Visa Signature^® Credit Card: 0% introductory APR is valid on purchases and balance transfers for the first fifteen (15) full billing cycles from the date of account opening. Arvest Cash Back Credit Card: 0% introductory APR is valid on purchases and balance transfers for the first eighteen (18) full billing cycles from the date of account opening. Arvest True Rate^® Credit Card: 0% introductory APR is valid on purchases for the first twelve (12) full billing cycles and on balance transfers for the first eighteen (18) full billing cycles from the date of account opening. After the introductory period: Your APR for purchases and balance transfers will be based on your creditworthiness: For Arvest Cobalt^℠ Visa Signature^® and Arvest Cash Back cards, between 18.24% - 24.99% APR. For Arvest True Rate^® card, currently between 15.74% - 24.99% APR. These APRs will vary based on the Prime Rate. The APR for Cash Advances is 24.99% APR for Arvest Cobalt^℠ Visa Signature^® and Arvest Cash Back cards, and 24.99% APR for the Arvest True Rate^® card. These Cash Advance APRs will vary based on the Prime Rate. Fees: 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. Late payment and returned check fees are $25 each. Foreign transaction fee is 3% of the transaction amount for Arvest True Rate^® personal credit card. Rates apply to new accounts only and are accurate as of April 23, 2026. 

*Balance Transfer: Balance transfers can be conducted from the minimum $250 up to your available credit line.

**Bonus (Arvest Cobalt^℠ Visa Signature^® and Arvest Cash Back cards only): Open a new Arvest Cobalt^℠ Visa Signature^® or Arvest Cash Back personal credit card to qualify for the one-time new account rewards bonus of $200 after spending $1,000 on eligible purchases within the first ninety-three (93) days of account opening. For Arvest Cobalt^℠ Visa Signature^® Credit Card accounts, the $200 new account rewards bonus is awarded as 20,000 rewards points in the Arvest Flex Rewards^® program. Arvest Flex Rewards^® offers tiered points of 3X points for every $1 spent on eligible dining purchases, 2X points for every $1 spent on eligible gas, groceries, & streaming purchases, and 1X points for every $1 spent on all other eligible purchases. For Arvest Cash Back Credit Card accounts, the $200 new account rewards bonus is awarded as $200 rewards cash in the Arvest Flex Rewards^® program. Arvest Flex Rewards^® offers 1.5% cash back for every $1 spent on eligible purchases. Rewards points/cash must be redeemed to have monetary value. Eligible purchases can be made by the primary cardholder or any additional cardholders on a single Card Account. Limit one (1) $200 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) full billing cycles after your qualifying purchase(s). To be eligible for the $200 new account rewards bonus offer, the Card Account must be open and not in default as of the date the new account rewards bonus is applied. For complete details, ask an Arvest associate. Offer subject to change. Additional limitations, terms and conditions may apply.

Arvest Cobalt^℠ Visa Signature^® Credit Card and Arvest Cash Back Credit Card accounts are automatically enrolled in Arvest Flex Rewards^®.

Some of the above benefits are provided by Visa^® and may vary by product. Certain fees and restrictions may apply and are subject to change. Once your account is opened, we will send you a Visa Guide to Benefits for Arvest Cash Back card or Visa Guide to Benefits for Arvest Cobalt^℠ Visa Signature^® card, which includes a full explanation of benefit coverages and registration requirements.

² Global Entry/TSA PreCheck^®

To receive a statement credit, you must use your Arvest Cobalt^℠ Visa Signature® card to either complete the Global Entry application and pay the $120 application fee or complete the TSA PreCheck^® application and pay the $85 application fee. Credit will appear within two billing cycles and will apply to whichever program is applied for first. One statement credit per account every four years, and your account must be open and in good standing when the credit is applied. Additional fees charged to an Arvest Cobalt^℠ Visa Signature^® card are not eligible. Cardholders are responsible for payment of all charges until the statement credit is posted to the account. Visa and Arvest reserve the right to modify or cancel this offer at any time and without notice. Refer to the Visa Guide to Benefits for Arvest Cobalt^℠ Visa Signature^® provided with your new card for additional details.

³ Visa Signature^® Luxury Hotel Collection

In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases, the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Signature^® Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property.

⁴ Visa Signature^® Concierge

Arvest Cobalt^℠ 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 are subject to availability. See full Concierge terms of service on the Visa website.