The Arvest Bank is a personal credit card from Arvest Bank. The annual fee is No annual fee. The ongoing APR is 15.74% to 24.99% variable, based on creditworthiness (after intro), varies with the Prime Rate after a 0% introductory APR for the first 12 full billing cycles on purchases; 0% for the first 18 full billing cycles on balance transfers introductory rate.