The Arvest Bank Excellent Credit is a personal credit card from Arvest Bank. The annual fee is No annual fee. The ongoing APR is 18.24% - 24.99% variable (rates accurate as of September 9, 2026) after a 0% intro APR on purchases and balance transfers for the first 18 full billing cycles introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Signup bonus: $200 new account rewards bonus after $1,000 in eligible purchases within 93 days of account opening. Rewards: 1.5% cash back for every dollar spent on eligible purchases. Cash back: 1.5%. Typical credit limit: $1,000-$30,000. This product reports activity to your personal credit report.