WalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersHigh rewards rateBalance transfer feeHigh regular APRRequires good/excellent creditArvest Cobalt℠ Visa Signature® Credit Card
Arvest Cobalt℠ Visa Signature® Credit Card
Credit Score
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 12 months, 18.49% - 24.99% (V) APR after that
Balance Transfer
0% intro APR for 12 months, 18.49% - 24.99% (V) APR after that
Balance Transfer Fee
Rewards
Earn 15,000 bonus points (worth up to $150) after spending $500 on eligible purchases within the first 3 billing cycles of account opening.
Earn 3 points per $1 spent on dining purchases, 2 points per $1 spent on gas, groceries & streaming purchases, and 1 point per $1 spent on all other purchases.
Redeem you points for cash back, statement credit, travel, event tickets, gift cards and more.
Get up to $120 statement credit to cover the Global Entry or TSA PreCheck application fee.
Arvest Cobalt℠ Visa Signature® Credit Card's Additional Info
Worldwide Travel and Emergency Assistance Services.
24/7 complimentary Visa Signature® Concierge services to help with reservations, ordering gifts and more.
Automatic upgrades and VIP perks at more than 900 Visa Signature® Luxury Hotel properties worldwide.
| cash advance fee | 4% (min $4) |
| cash advance APR | 24.99% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes |
| max late fee | $25 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 25 days |
Arvest Cobalt℠ Visa Signature® Credit Card Pros & Cons
No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
High rewards rate
Balance transfer fee
High regular APR
Requires good/excellent credit
Compare The Arvest Cobalt℠ Visa Signature® Credit Card vs. Popular Alternatives
annual fee$0 | annual fee$0 |
Purchase Intro APR0% for 12 months | Purchase Intro APR0% for 15 months |
transfer intro apr0% for 12 months|Transfer Fee: 3% (min $10) | transfer intro apr0% for 15 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer |
Regular APR18.49% - 24.99% (V) | Regular APR18.49% - 28.49% (V) |
rewards rate | rewards rate |
bonus offer | bonus offer |
Sponsored Apply Now |
Arvest Cobalt℠ Visa Signature® Credit Card Q&A
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Offer last updated: Jan 14th, 2026 at 14:30 ET
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