Credit Cards

Rewards? Cash back? Low interest rate? Whatever you need, we have a credit card to suit your lifestyle.

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  • Earn Rewards
  • Get Cash Back
  • Save Money
  • Build Credit

Visa Real REWARDS

Visa Bonus
  • 1.5 points per $1 spent on eligible net purchases1
  • No caps or limits on the points you can earn, plus you have five years to redeem for rewards2
  • 2,500 bonus rewards points after your first purchase3

Premier Rewards American Express

Am Ex
  • 4 points per $1 spent on restaurant purchases4
  • 3 points per $1 spent on airline purchases
  • 2 points per $1 spent on gas station purchases
  • 1 point per $1 spent on other everyday eligible net purchases
  • 10,000 one-time bonus rewards points after $1,000 in purchases within the first 3 months3
  • No caps or limits on the points you can earn, plus you have five years to redeem for rewards2
  • Reimbursement for either Global Entry or TSA Pre✔® 5

Cash Rewards American Express

Am Ex
  • 3% cash back6 on the first $6,000 in annual purchases at gas stations2, 7
  • 2% cash back on supermarket net purchases
  • 1% cash back on other everyday eligible net purchases
  • $25 cash back bonus after first purchase3

Visa Platinum

visa
  • Enjoy an extended introductory rate while saving on interest and paying down your other credit card balances faster

Secured Visa

visa
  • A great way to begin the process of improving or re-establishing your credit8
  • Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account8

Visa College Real Rewards

Visa Bonus
  • 1.5 points per $1 spent on eligible net purchases5
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards2
  • 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings

Visa Real REWARDS

Visa Bonus
  • 1.5 points per $1 spent on eligible net purchases1
  • No caps or limits on the points you can earn, plus you have five years to redeem for rewards2
  • 2,500 bonus rewards points after your first purchase3

Premier Rewards American Express

Am Ex
  • 4 points per $1 spent on restaurant purchases4
  • 3 points per $1 spent on airline purchases
  • 2 points per $1 spent on gas station purchases
  • 1 point per $1 spent on other everyday eligible net purchases
  • 10,000 one-time bonus rewards points after $1,000 in purchases within the first 3 months3
  • No caps or limits on the points you can earn, plus you have five years to redeem for rewards2
  • Reimbursement for either Global Entry or TSA Pre✔® 5

Cash Rewards American Express

Am Ex
  • 3% cash back6 on the first $6,000 in annual purchases at gas stations2, 7
  • 2% cash back on supermarket net purchases
  • 1% cash back on other everyday eligible net purchases
  • $25 cash back bonus after first purchase3

Visa Platinum

visa
  • Enjoy an extended introductory rate while saving on interest and paying down your other credit card balances faster

Secured Visa

visa
  • A great way to begin the process of improving or re-establishing your credit8
  • Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account8

Visa College Real Rewards

Visa Bonus
  • 1.5 points per $1 spent on eligible net purchases5
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards2
  • 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings
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Frequently Asked Questions

Got questions? We've got answers. And, if you don't find what you're looking for, call us at (800) 234-6181.

What credit score do I need to apply for a Bank of Oklahoma credit card?

We offer cards for people with all different credit scores. We even have a Secured Visa Card if you're looking to rebuild your credit.

Why do you need my personal information for my credit card application?

The law requires that we must obtain and verify information about everyone who opens an account. We also use your personal information to pull your credit bureau data, which we use with information like your income to determine if a card is right for you, and if so, what your credit limit will be.

Can I allow a family member or friend to use my credit card account?

Yes. If you'd like to add an authorized user, we'd be happy to help with that, and will send you a second card for their use.

What You Need To Know

1Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

2The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Card member Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

3Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

4Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

5Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new card members upon approval.

6Reward points can be redeemed as a cash deposit to a Bank of Oklahoma checking or savings account, or as a statement credit to your credit card account within one to two billing cycles

7Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

8Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express