BOK Financial Visa® Platinum Card
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Visa
- Intro purchase APR
- 0% for 18 months from account opening date
At a glance
The BOK Financial Visa® Platinum Card offers cardholders 0% APR for 18 months on purchases. As well, cardholders can benefit for an introductory 0% interest rate on balance transfers for the same period of time. What’s more, there is no annual fee with this credit card.
Our review of the BOK Financial Visa® Platinum Card
If you’re in the market for a basic credit card without the hassle of annual fees or rewards points, the BOK Financial Visa® Platinum card may be a great fit for you. This card offers cardholders 0% interest for the first 18 months on both purchases and balance transfers, making it a standout option in the market.
No Annual Fee Saves You Money
Unlike many rewards cards, the BOK Financial Visa® Platinum card does not charge an annual fee. This can be a significant cost savings, especially when compared to rewards cards that require you to spend a certain amount in order to make the annual fee worth it.
For example, even a $25 annual fee can add up over time. If you’re only earning 1 point for every dollar spent, you may find that the value of each point is only worth one cent. In this case, you would need to spend $2,500 just to break even on the annual fee, not to mention any interest charges.
In essence, no annual fee can sometimes be more valuable than earning rewards, depending on your spending habits.
0% Introductory APR on Purchases
One of the most attractive features of the BOK Financial Visa® Platinum card is its 0% interest rate promotion on purchases for the first 18 months. This can be a great benefit if you plan on making major purchases and need some extra time to pay them off.
This promotional period gives you the opportunity to make purchases without accruing any interest, as long as you have a plan to pay off your balance within the 18-month window. While other credit cards may offer similar promotions, the 18-month no-interest period sets the BOK Financial Visa® Platinum card apart from the competition.
0% Introductory APR on Balance Transfers
In addition to the 0% interest promotion on purchases, the BOK Financial Visa® Platinum card also offers the same promotion on balance transfers. This can be a great option if you have existing credit card debt that you want to pay off without accruing additional interest.
While there is a 3% fee on each transferred balance, the 18-month promotional period gives you plenty of time to pay off the balance without any interest charges.
Overall, the BOK Financial Visa® Platinum card can be a great fit for those who plan to use it strategically. Whether you’re looking to make large purchases or transfer existing balances, this card offers competitive benefits that can help you save money in the long run.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- 0% introductory APR on purchases for 20 months
- 0% introductory APR for 20 months on balance transfers
Who this card may suit
- You don’t want to pay an annual fee to use a credit card
- You want to take advantage of 0% APR for 18 months
- You need to transfer a balance from an existing credit card and plan to pay it off in 18 months
- You already bank with BOK Financial
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 0% for 18 months from account opening date |
| Regular Purchase APR | 18.99% to 28.99% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 0% for 18 months on transfers made within 558 days from account opening date |
| Balance Transfer APR | 18.99% to 28.99% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.99% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | Up to 3% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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BOK Financial Visa® Platinum Card
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