Bank of Oklahoma Business Real Rewards Card
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The Bank of Oklahoma Business Real Rewards Card is a business credit card designed for business owners who want a simple cash back structure. There’s also a 0% introductory APR offer on both purchases and balance transfers for 6 months–not super long, but a good start if you’re setting up an office or paying off lingering debt. There’s a small welcome offer and no annual fee. Note that rewards expire after five years, as opposed to many cards where your rewards never expire. We dive into the details and your approval odds in this Bank of Oklahoma Business Real Rewards review.
Our Rating
3.5/5.0
Welcome Offer
Earn 2,500 bonus rewards points
Annual Fee
$0
0% on Purchases
6 months
Reward Rate
1.5x points
0% on Balance Transfers
6 months
Welcome Offer
Earn 2,500 bonus rewards points after your first purchase.
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | Extended Warranty Coverage, Purchase Protection, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Emergency Travel Assistance, Roadside Assistance |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency |
| Regular APR | 19.24% to 28.24% (V) APR |
| Balance Transfers | 0% Intro APR for 6 months on balance transfers, then 19.24% to 28.24% (V) APR after that. |
| Balance Transfer Fee | Either 3% of the amount of each transfer or $5 minimum, whichever is greater. |
| Purchases | 0% Intro APR for 6 months on purchases, then 19.24% to 28.24% (V) APR after that. |
Pros & Cons
- Welcome offer
- No annual fee
- 1.5x points (equal to 1.5% cash back)
- High APR
- Foreign transaction fee
- Requires good credit
- Welcome offer is small
What Are the Best Alternatives?
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
Ink Business Unlimited® Credit Card
Rating
4.6
Rewards Range
1.5%
Annual Fee
$0
U.S. Bank Triple Cash Rewards Visa® Business Card
Rating
4.5
Rewards Range
1% - 5% Cash Back
Annual Fee
$0