The Bank OZK Fair 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 the intro period) after a 0% intro APR on purchases and balance transfers for the first 12 billing cycles introductory rate for 12 months. Approval typically requires a credit score of 660 or higher. 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: Unlimited 1.5% cash back. Cash back: 1.5%. Typical credit limit: $1,000-$15,000. This product reports activity to your personal credit report.