The Arvest Visa Signature Excellent Credit is a personal credit card from Arvest Visa Signature. The annual fee is $0. The ongoing APR is 14.24%-24.24% after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Signup bonus: Earn a $200 bonus after spending $1,000 in the first 90 days. Rewards: 1.5% cash back on every purchase. Cash back: 1.5%. Typical credit limit: $1,000-$30,000.