The Bank OZK Good Credit is a personal credit card from Bank OZK. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 18.99% to 28.99% variable, based on the Prime Rate after a 0% introductory APR introductory rate for 12 months. Approval typically requires a credit score of 680 or higher. Signup bonus: 15,000 bonus points ($150 equivalent) after $500 in spending within the first 3 billing cycles. Rewards: 5x points per $1 on travel purchases, 3x on streaming services, 2x on fuel purchases, 1x on all other purchases. Cash back: 1.5%. Typical credit limit: $1,000-$20,000. This product reports activity to your personal credit report.