The Bank OZK is a business credit card from Bank OZK. The annual fee is No annual fee. The ongoing APR is After that, a variable APR based on the Prime Rate, between 18.99% and 28.99% APR. after a 0% introductory APR introductory rate for 12 months. Signup bonus: Earn 15,000 bonus points ($150 equivalent) when you spend $500 in the first 3 billing cycles after the account is opened.. Rewards: 1.5% cash back. Cash back: 1.5 Points per $1 Spent. Typical credit limit: $300 - $5,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).