Arvest Credit Cards are subject to credit approval. *Introductory Rate: 0% introductory Annual Percentage Rate (APR) is valid on purchases and balance transfers for the first twelve (12) full billing cycles from date of account opening. After that, your APR for purchases and balance transfers will be based on your creditworthiness: For Arvest Cash Back cards, between 18.74% – 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. Late payment and returned check fees are $25 each. Rates apply to new accounts only and are accurate as of November 3, 2025. *Balance Transfer: Balance transfers can be conducted from the minimum $250 up to your available credit line. **Bonus: Open a new Arvest Cash Back 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) full billing cycles of account opening. The $150 new account rewards bonus is awarded as $150 rewards cash for Arvest Cash Back card accounts in the Arvest Flex Rewards^® program. Arvest Flex Rewards^® is a program that offers 1.5% cash back for every $1 spent on eligible purchases made with your Arvest Cash Back credit card. Rewards 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) $150 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 $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 is applied. For complete details, ask an Arvest associate. 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. 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, which includes a full explanation of benefit coverages and registration requirements.