Bank of Oklahoma Smart Business Rewards Card
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The Bank of Oklahoma Smart Business Rewards Card is a business rewards card designed for business owners who spend a lot in categories not often rewarded. There are more than 48 categories you can earn rewards in, and what’s nice about this card is that you don’t have to figure it out yourself: it’s automatic. The welcome offer is generous, considering its 40% of the required spend. We dive into the details and your approval odds in this Bank of Oklahoma Smart Business review.
Our Rating
4.0/5.0
Welcome Offer
Earn 20,000 bonus rewards points
Annual Fee
$0 annual fee for the first 12 months. Then, $95 for Account Owners.
0% on Purchases
N/a
Reward Rate
1x to 2x points
0% on Balance Transfers
N/a
Welcome Offer
Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening.
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 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees. |
| Foreign Transaction Fee | None |
| Regular APR | 21.24% to 26.24% (V) APR |
Pros & Cons
- Welcome offer
- No foreign transaction fee
- Up to 2x points
- Annual fee
- High APR
- Requires good credit
What Are the Best Alternatives?
U.S. Bank Business Leverage® Visa Signature® Card
Rating
4.5
Rewards Range
1% to 5% cash back
Annual Fee
$0 intro annual fee the first year, $95 thereafter
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
Capital One Spark Cash Plus
Rating
4.8
Rewards Range
2% to 5%
Annual Fee
$150