The Arvest Bank is a personal credit card from Arvest Bank. The annual fee is No annual fee. The ongoing APR is 18.24% to 24.99% variable, based on creditworthiness (after intro), varies with the Prime Rate after a 0% introductory APR for the first 15 full billing cycles on purchases and balance transfers introductory rate. Signup bonus: 20,000 points (stated as a $200 value) after $1,000 in eligible purchases within 93 days of account opening. Rewards: Arvest Flex Rewards points: 3X on dining, 2X on gas, groceries and streaming, 1X on other eligible purchases; Global Entry or TSA PreCheck fee credit up to $120 once every four years.