Arvest Bank Purchasing Credit Card Reviews: Is It Worth It? (2025)Reviews, rates, fees, and rewards details for The Arvest Bank Purchasing Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersNo initial rewards bonusForeign feeRequires good/excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Arvest Bank Purchasing Credit Card has a rating of 3.3/5 according to our proprietary credit card rating system. This rating reflects how appealing Arvest Bank Purchasing Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Business - Finance New Purchases'. To break it down further, Arvest Bank Purchasing Credit Card earned a score of 4.7/5 for Fees, 3.3/5 for Rewards, 2.9/5 for Cost, 3.4/5 for APR, and 3.1/5 for User Reviews. Info about the Arvest Bank Purchasing Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.1/5
99 reviewsRead and write reviews
Market Comparison
Market Comparison
3.3
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Business - Finance New Purchases” for this card.
Fees
4.7
Rewards
3.3
Cost
2.9
APR
3.4
3.3/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 6 months, 14.24% - 18.24% (V) APR after that
Balance Transfer
0% intro APR for 6 months, 14.24% - 18.24% (V) APR after that
Balance Transfer Fee:$0
Rewards
Earn 1 point for every dollar spent on the card
You can redeem your points online for cash back, statement credits, travel, gift cards and more.
Arvest Bank Purchasing Credit Card's Additional Info
Key Features: Add more security and convenience to your business travel, Emergency Card Replacement, Emergency Cash Disbursement, Cardholder Inquiry Service, Auto Rental Collision Damage Waiver, Visa Liability Waiver Program and Visa's Travel and Emergency Assistance Services.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
User Reviews
3.1
Market Comparison
3.3
fees: 4.7
rewards: 3.3
cost: 2.9
APR: 3.4
3.7WalletHub Rating
WalletHub Rating
3.7
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.2
User Reviews
3.8
Market Comparison
3.6
fees: 5.0
rewards: 3.3
cost: 3.7
Other Features: 0.0
3.0WalletHub Rating
WalletHub Rating
3.0
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Can't find what you are looking for? Submit your question about Arvest Bank Purchasing Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The Arvest Bank Purchasing Credit Card does not charge a balance transfer fee. For comparison, most credit cards from other issuers charge a balance transfer fee of 3% to 5% of the amount transferred, so using a no-fee card can make a big difference.
The Arvest Bank Purchasing Credit Card also offers an introductory APR of 0% for 6 months, after which the regular APR of 14.24% - 18.24% (V) applies.
It can take up to 2 weeks to do a Arvest Bank Purchasing Credit Card balance transfer. Although asking for a transfer doesn't take more than a few minutes, the issuer might require more time to process your request.
Yes, you can apply for the Arvest Purchasing Card from Nevada. Since they don't have online applications or any branches in that state (at least for now), the only way to do that is over the phone, at (855) 250-8508.
As far as requirements go, you generally need excellent credit to get approved. That being said, the issuer will check out other things, like your current debt level and your income.
To talk to Arvest Bank Purchasing Credit Card customer service, call (800) 356-8085 and then when prompted, press "1" on your keypad and when asked to select the reason for your call, press "0". This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Arvest Bank Purchasing Credit Card Customer Service by Phone
Call the Arvest Bank Purchasing Credit Card customer service department. You can...
The Arvest Bank Purchasing Credit Card minimum payment is listed on your monthly credit card statement and in your online account, and it will either be a certain percentage of the statement balance or a flat amount, depending on how high your balance is.
Key Things to Know About Arvest Bank Purchasing Credit Card Minimum Payments
The minimum payment will include any applicable fees, past-due amounts, and interest.
If your statement balance is low enough, the Arvest Bank Purchasing Credit Card minimum payment...
A credit score of at least 750 (good credit) is needed for the Arvest Bank Purchasing Credit Card. But you won't be approved just by having an adequate credit score. To decide whether to approve you or not, the issuer will also look at other information, such as your income and debts.
You can apply for the Arvest Bank Purchasing Credit Card over the phone, by calling (855) 250-8508 or by visiting one of their stores. Unfortunately, they don't allow online applications for this card.
How to Apply for the Arvest Bank Purchasing Credit Card
At a branch: You can submit the Arvest Bank Purchasing Credit Card application at a Arvest Bank branch during normal business hours.
Over the phone: You can call (855) 250-8508 and follow the automated prompts to get connected with a customer service...
Share your insights and review for the Arvest Bank Purchasing Credit Card
5
6%
4
7%
3
83%
2
2%
1
2%
3.1
99 reviews
99 reviews
What's Your Rating?
Review sort
Lauren Floyd @lauren.floyd.7
Report Abuse
5 Star Rating
My Arvest Purchasing Visa credit card had actually been my favorite credit card I have ever had. Also, Arvest makes it very easy to access information regarding my card use and purchases online. I have had this card for almost three years now and I love it. The one thing I kind of have not liked about the card itself is that basically everybody that banks at Arvest gets the exact same looking card. I know this can be changed, but I do not know if this will cost me extra money to be able to have a personalized credit card. However, overall, I really like my Visa card from Arvest. Lauren, Fayetteville Arkansas.
show more
show less
Comment
1
0
Joe Weider @joe_weider
Report Abuse
2 Star Rating
Aren’t most, if not all, credit cards for purchasing? One would think, which is why the Arvest Bank Purchasing Credit Card seems kind of weird, but hey, let’s check out the details of the offer to see whether the name makes any more sense. First of all, the Arvest Bank Purchasing Card requires excellent credit for approval and does not have an annual fee. This in and of itself is kind of odd because credit cards for excellent credit that people plan to make purchases with a lot often have annual fees to compensate for the extra rewards they offer. Adding to this confusion is the fact that the Arvest Purchasing Card does not offer rewards. It’s therefore not going to be that beneficial a card for making most purchases, and the meaning of its name has to come from its interest rates. Well, Arvest Bank’s Purchasing Credit Card offers 0% on purchases and balance transfers for six months. Really? That’s it? Zero percent for six months is actually on the low end of the spectrum for credit cards for excellent credit, so it really doesn’t make sense to call this card the Purchasing Card. Perhaps Arvest Bank merely wants you to “purchase” their credit card. Or maybe people getting it allows their executives to “purchase” some expensive toys. Who knows?
What we do know is the fact that you need some options to the Arvest Bank Purchasing Credit Card because it’s obviously not going to cut it. If you want a card with which to make everyday “purchases” and you have excellent credit, it really depends on your spending habits, but a notable option is the Blue Cash Everyday from American Express, as it offers 3% cash abck at grocery stores, 2% at gas stations and department srores, and 1% everywhere else. For those who like to travel, the Capital One Venture Card offers what amounts to 2% cash back across all purchases, as long as you redeem miles for travel related purchases (plus Alec Baldwin is the man). If you want a long 0% rate in order to make significant “purchases” and pay them off over time without interest, Citi offers three different cards with 0% rates on purchases and balance transfers for 18 months. Any of these cards would certainly suit your needs better than the Arvest Purchasing Card.
show more
show less
Comment
2
2
+ 97 WalletHub users submitted a rating without writing a full review
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Arvest Bank Purchasing Credit Card and Arvest Cobalt℠ Visa Signature® Credit Card.
