The Bank of Oklahoma is a business credit card from Bank of Oklahoma. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Variable after a 0% introductory rate for 20 months. Rewards: flexible rewards. Cash back: 3% on select categories, 1% on all other purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).