The Bank OZK Visa Platinum Fair Credit is a personal credit card from Bank OZK Visa Platinum. The annual fee is No annual fee. The ongoing APR is After that, a variable APR based on the Prime Rate, between 16.99% and 26.99% APR. after a 0% introductory APR 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.