Arvest True Rate TM Credit Card   
 
The information about the costs of the cards described in this application is accurate as o f July 25, 
2020. This information may have been changed after that date. To find out what may have changed, 
call us at 1-800-356-8085 or write to us at P.O. Box 6139, Norman, OK 73 070.  
 
INTEREST RATES AND INTEREST CHARGES 
Annual Percentage Rate (APR) 
for Purchases  0%  introductory APR for 12 billing cycles from date of account opening. After 
that, your APR will be between 9.24% - 18.24%  based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 
Annual Percentage Rate (APR) 
for Balance Transfers  0%  introductory APR for 12 billing cycles from date of account opening. After 
that, your APR will  be between 9.24% - 18.24%  based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 
Annual Percentage Rate (APR) 
for Cash Advances 24.99%  This APR will vary with the market based on the Prime Rate. 
Penalty APR and When It 
Applies None 
How to Avoid Paying Interest on 
Purchases  Your due date is at least 25 days after the close of each billing cycle. We will not 
charge you  any interest on purchases if you pay your entire balance by the due 
date each month. We will begin charging interest on cash advances and balance 
transfers on the transaction date. 
Minimum Interest Charge None 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau To learn more about factors to consider when applying for or using a credit card, 
visit the website of the Consumer Financial Protection Bureau at 
https://www.consumerfinance.gov/learnmore. 
 
FEES 
Annual Fees None 
Transaction Fees:  
� Balance Transfer: Either $10  or 3%  of the amount of each balance transfer, whichever is greater. 
� Cash Advance: Either $4  or 4%  of the amount of each cash advance, whichever is greater. 
� Foreign Transaction: 3% of each transaction in U.S. dollars. 
Penalty Fees:  
� Late Payment: $25 
� Returned Payment: $25 
 
How We Will Calculate Your Balance:  We use a method called �average daily balance (including 
new purchases).� See your Cardholder Agreement for more details. To receive a copy of your 
Cardholder Agreement, call us at (800) 356-8085 or write to us at PO Box 6139, Norman, OK 73070. 
You may also view our Cardholder Agreement by https://www.arvest.com/personal/ban k/credit -
cards/true -rate/cardholder -agreement.  
 
Balance Transfer:  Minimum Balance Transfer amount is $250 per transfer. 
 
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is 
provided in your Cardholder Agreement.