Discover the Arvest Bank Platinum Balance Transfer Card

The Arvest Bank Platinum Balance Transfer Card, issued by Arvest Bank, represents an excellent option for those looking for a reliable financial product that combines low fees and beneficial rewards. This card is a balance transfer credit card designed to offer cardholders financial flexibility and a host of features aimed at simplifying their financial management.

Card Type

The Arvest Bank Platinum Balance Transfer Card falls into the category of a balance transfer credit card. It is specifically designed for individuals looking to transfer high-interest debt from other credit cards or loans to a card with a lower interest rate, making it a strategic choice for debt management.

Annual Fee

One of the major advantages of the Arvest Bank Platinum Balance Transfer Card is that it comes with no annual fee. This feature makes it an appealing choice for users who prefer to avoid costly fees typically associated with credit cards.

Rewards Program

This card offers a well-structured rewards program. While it primarily serves as a balance transfer tool, cardholders can earn 1% cashback on eligible purchases. The cashback can be redeemed for various options, including statement credits, gift cards, and bank account deposits, providing cardholders with flexibility in how they utilize their rewards.

Sign-Up Bonus

New cardholders can take advantage of a compelling sign-up bonus. Upon meeting a spending requirement within the first three months, users can earn a bonus cashback that enhances the overall rewards experience. Be sure to check current promotions for the exact amounts and qualifying details.

APR (Annual Percentage Rate)

The Arvest Bank Platinum Balance Transfer Card boasts a competitive regular APR of 13.49% to 23.49%, depending on the applicant’s creditworthiness. An attractive introductory offer provides 0% APR on balance transfers for the first 15 months, allowing cardholders to save significantly while paying down existing debt.

Foreign Transaction Fees

Travelers will appreciate that this card comes with no foreign transaction fees. This feature makes it an excellent choice for those who frequently travel abroad or make purchases in foreign currencies.

Balance Transfer Options

The card offers a variety of balance transfer options, including a promotional 0% APR on balance transfers for 15 months, making it an ideal option for those looking to consolidate debt. Keep in mind that a transfer fee may apply, typically around 3% of the amount transferred.

Additional Fees

Besides transfer fees, users should be aware of other potential costs. The card may incur a $35 late payment fee and a cash advance fee of either $5 or 3% of each transaction, whichever is greater.

Card Benefits and Perks

Beyond the basic features, the Arvest Bank Platinum Balance Transfer Card also offers additional benefits. Cardholders can enjoy access to travel accident insurance and other perks designed to provide peace of mind while traveling. These benefits can enhance the cardholder’s overall experience.

Customer Protections and Insurance

Arvest places a strong emphasis on customer protection. The card includes fraud liability protection, ensuring that consumers are not responsible for unauthorized transactions. Additionally, purchase protection safeguards cardholders from loss or damage of new purchases, while rental car insurance provides added security during travels.

Eligibility and Credit Score Requirements

The Arvest Bank Platinum Balance Transfer Card is generally available to applicants with a wide range of credit profiles. A credit score of 680 or higher is typically recommended for approval, although applicants with lower scores may still qualify based on other factors.

Introductory Offers

In addition to the balance transfer offer, new cardholders can benefit from the 0% APR on purchases for the first 12 months. This allows cardholders to make significant purchases without incurring interest, providing further financial flexibility during the introductory period.

Special Features or Unique Selling Points

What sets the Arvest Bank Platinum Balance Transfer Card apart from other cards is its seamless integration of essential features suited for individuals seeking to manage their debt strategically. The absence of an annual fee and the generous introductory APR offers are particularly noteworthy.

How to Apply

Applying for the Arvest Bank Platinum Balance Transfer Card is a straightforward process. Interested individuals can start their application online through the UpCube.net for financial insights and strategies related to credit management, and don’t miss out on your opportunity to apply”head to the