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Bank of Oklahoma Visa® Business Real Rewards Credit Card, issued by Elan Financial Services, is designed for those with Bank of Oklahoma business savings or checking accounts wanting to earn fixed-rate rewards on all categories. On top of letting you earn 1.5X points on all eligible net purchases, it offers a 0% introductory Annual Percentage Rate (APR) on both purchases and balance transfers.
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| Intro APR | 0% |
|---|---|
| Regular APR | 18.49% to 27.49% variable |
| Annual Fee | None |
| Credit Needed | Good to Excellent |
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When grading points rewards business credit cards like the Bank of Oklahoma Visa® Business Real Rewards Credit Card, we consider the ongoing and introductory rewards, annual fee, introductory and ongoing APRs, and additional card features.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 20 | 30 |
| Introductory Rewards | 10 | 20 |
| Annual Fee | 15 | 15 |
| Features | 10 | 15 |
| Introductory APR | 5 | 10 |
| Ongoing APR | 7 | 10 |
| Total Score | 67 | 100 |
- Who the Bank of Oklahoma Visa® Business Real Rewards Credit Card Is Best For
- Bank of Oklahoma Visa® Business Real Rewards Credit Card Rewards
- Bank of Oklahoma Visa® Business Real Rewards Credit Card Features
- Bank of Oklahoma Visa® Business Real Rewards Credit Card Fees
- Bank of Oklahoma Visa® Business Real Rewards Credit Card Alternatives
- Frequently Asked Questions (FAQs)
- Bottom Line
Who the Bank of Oklahoma Visa® Business Real Rewards Credit Card Is Best For
- Those who prefer fixed-rate rewards: It offers unlimited, fixed-rate points for all purchases, regardless of spending categories.
- Those with business savings or checking accounts with Bank of Oklahoma: If you already do business with the provider, getting this card allows you to manage all your transactions in one bank.
Check out our
below if this card doesn’t fit your small business’ needs.
Bank of Oklahoma Visa® Business Real Rewards Credit Card Rewards
- 2,500 bonus points after making your first purchase
- 1.5X points (equal to 1.5% cash back) on all eligible net purchases, with no caps or limits on the points you can earn
Bank of Oklahoma Visa® Business Real Rewards Credit Card Calculator
Use our calculator to compute the potential points you might earn from using the Bank of Oklahoma Visa® Business Real Rewards Credit Card. Note that for this card, 1.5 points is equivalent to 1.5% cash back.
Bank of Oklahoma Visa® Business Real Rewards Credit Card Calculator
Your potential annual reward earnings
How to Redeem Bank of Oklahoma Visa® Business Real Rewards Credit Card Rewards
You can redeem your earned points as either a cash deposit to a Bank of Oklahoma savings or checking account or a statement credit to your credit card amount. Note that for points to reflect in your account, it will take:
- Seven business days if you opt for a cash deposit
- One to two billing cycles if you choose statement credit
While there is no limit on the number of points you can earn, you have five years from the end of the quarter in which they are earned to redeem them. Points will be reflected in your account within each billing cycle.
Bank of Oklahoma Visa® Business Real Rewards Credit Card Features
- Free employee cards: Issue employee cards at no additional cost to keep track of employee expenses and earn as many rewards as possible
- Online reporting tools: Get access to Bank of Oklahoma’s online reporting tools to view credit card spending by category, transaction type, and period (month, quarter, or year)
- Zero fraud liability: Be assured that Elan Financial Services will provide protection against unauthorized transactions
- Card ExtendPay plan: Split purchases in affordable payments with no interest; note that new cardmembers can receive a $0 fee on ExtendPay plans opened within the first 60 days after account opening
Bank of Oklahoma Visa® Business Real Rewards Credit Card Fees
APR
- Introductory: 0% on both purchases and balance transfers for the first six billing cycles; for balance transfers, intro APR will apply for balances transferred within 186 days from the date of account opening
- Ongoing and balance transfers: 18.49% to 27.49% variable, which will adjust with the prime rate
- Cash advance: 31.49% variable, which will adjust with the prime rate
- PenaltyThis will apply until you make 6 consecutive minimum payments when due and do not exceed your Credit Limit during that time period. : 31.74% variable, which will adjust with the prime rate; will be applied to your account if you do one of the following:
- Made a payment five calendar days late twice
- Made a payment 30 calendar days once
- Made a returned payment
- Exceeded your credit limit twice in 12 consecutive months
Fees
- Annual: $0
- Balance transfer and convenience check cash advance: Either $5 or 3% of the amount of each transfer/advance, whichever is higher
- Foreign transaction: 3% of each foreign transaction
- Cash advance, cash advance ATM, and cash equivalent advance: Either $10 or 4% of the amount of each transaction, whichever is greater
- Overdraft protection: $10
- Late payment: $41
- Returned payment: $35
- Overlimit: $39
Your due date is 24 to 30 days after the close of each billing cycle.
- Online: Log in to your account at www.myaccountaccess.com.
- AutoPay: You can set up an automatic monthly withdrawal from a Bank of Oklahoma checking or savings account.
- Phone: Call 800-234-6181 and follow the prompts to pay your bill.
- In-person: Visit the nearest Bank of Oklahoma branch.
Bank of Oklahoma Visa® Business Real Rewards Credit Card Alternatives
American Express Blue Business® Plus
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
Consider the American Express Blue Business® Plus if you are looking for an alternative points-based rewards credit card. It lets you earn 2x points on the first $50,000 in annual purchases and allows you to spend beyond your credit limit when needed through its expanded buying power.
U.S. Bank Triple Cash Rewards Visa® Business Card
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
The U.S. Bank Business Triple Cash Rewards World Elite Visa® is an excellent alternative if you wish to earn up to 5% cash back in selected spending categories. You can also divide eligible purchases into fixed monthly payments through its ExtendPay® Plan and enjoy a 0% introductory period on purchases for the first 12 billing cycles.
Ramp Credit Card
| Intro APR | None |
|---|---|
| Regular APR | None |
| Annual Fee | $0 |
| Credit Needed | Poor to Excellent |
If you need a corporate charge card that offers a robust expense management system, then we suggest the Ramp Credit Card. It also lets you earn 1.5% cash back on all purchases and allows you to issue unlimited physical and virtual cards. You can also secure a 20x higher credit limit compared with most traditional business credit cards.
Frequently Asked Questions (FAQs)
Bank of Oklahoma is located in the following states:
- Arizona
- Arkansas
- Colorado
- Kansas
- Missouri
- New Mexico
- Oklahoma
- Texas
Within Oklahoma, the bank is located in the following areas:
- Bartlesville
- Bixby
- Broken Arrow
- Edmond
- Enid
- Eufaula
- Grove
- Jenks
- Lawton
- McAlester
- Midwest City
- Muskogee
- Norman
- Oklahoma City
- Owasso
- Sand Springs
- Tulsa
- Yukon
Bank of Oklahoma underwent a merger in January 2011 with its known subsidiaries—namely Bank of Texas, N.A., Bank of Arkansas, N.A., Bank of Albuquerque, N.A., Colorado State Bank and Trust, N.A., Bank of Arizona, N.A., and Bank of Kansas City, N.A. Additionally, the Bank of Oklahoma was renamed to Bank of Financial Corporation (or BOKF) within the same year.
Despite the merger, it was noted that BOKF would continue to operate as distinct geographic entities and has continued to use the trade names of its former charters.
Yes, you can request a credit limit increase for your Bank of Oklahoma Visa® Business Real Rewards Credit Card. Either call Bank of Oklahoma’s ExpressBank at 800-234-6181 or go to the nearest branch to make a request.
Bottom Line
Bank of Oklahoma Visa® Business Real Rewards Credit Card is a great choice for those wanting fixed-rate rewards on their business purchases and those with existing business savings or checking accounts with Bank of Oklahoma. It lets you enjoy $0 annual fees, fixed-rate points rewards on all eligible net purchases, and a 0% introductory period on purchases and balance transfers.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Blue Business® Plus
