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 16.99% to 26.99% variable, based on the Prime Rate (after the intro period; terms use Prime 6.75% as of the 08/31/2026 determination date) after a 0% intro APR on purchases and balance transfers for the first 18 billing cycles introductory rate for 18 months. Approval typically requires a credit score of 640 or higher. Signup bonus: 15,000 bonus points ($150 equivalent) when you spend $500 in the first 3 billing cycles after the account is opened. Rewards: Earn 1x point per $1 spent. Cash back: 1.5%. Typical credit limit: $1,000-$15,000. This product reports activity to your personal credit report.