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First Oklahoma Bank

Credit Cards

Choosing the right credit card is easier than ever.

No matter which card you choose, you'll enjoy important features like:

  • EMV smart chip technology for added security 
  • Mobile purchasing capability for added convenience 
  • Plus much more! 
 
First Oklahoma Bank gray credit card image example                                          First OKlahoma Bank gray credit card image example
 
Pay Down Balances
Visa® Platinum Card
Save on interest with a great low introductory rate for an extended time. Pay down your other credit card balances with a non-rewards card. Learn More
 
Flexible Cash Rewards
 
Cash Rewards American Express® Card
Earn cash back1 every time you use your card: 3% on the first $6,000 in eligible net purchases2 made each year at gas stations2,4, 2% on eligible supermarket purchases, and 1% on all other eligible purchases2, plus $25 cash back after your first purchase1. Learn More
 
Rewards To Use The Way You Want4
Visa® Real Rewards Card
Earn 1.5 points monthly for every $1 you spend on eligible net purchases5 (equal to 1.5% cash back)5. Plus, earn 2500 bonus reward points after your first purchase3. There is no limit on the total cash back you earn, and you have five years to redeem for rewards. Learn More
 
Premier Rewards American Express® Card
Earn up to 4 points for every $1 spent on eligible net restaurant purchases6, 3 points for every $1 spent on eligible net airline purchases, 2 points for every $1 spent on eligible net gas purchases and 1 point for every $1 spent on all other eligible net purchases. Plus, earn 10,000 one-time bonus rewards after you spend $1000 in the first 3 months3. There's no cap or limit on the number of points you can earn, and you have five years to redeem for rewards4. Also you can receive a reimbursement for either Global Entry or TSA Pre✔®7. Learn More
 
Build your credit 
 
Visa® College Rewards Card
Earn 1.5 points monthly for every dollar you spend on eligible net purchases5. There's no cap or limit on the points you can earn and you have five years to redeem points for rewards4. 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards, or travel savings. Learn More
 
Visa® Secured Card
This card provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history8, here's a great way to begin that process. Also, you can enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account. Learn More


 1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card
account within one to two billing cycles.
2 Cash 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.
3 Bonus 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.
4 The 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 Cardmember
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).
5 Real 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.
6 Premier 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.
7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.
8 Late 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.

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