The term 'puzzle where 'or' is an oar' can be solved with the 5-letter REBUS 'rowor'. A REBUS is a type of puzzle that uses pictures, symbols, and letters to represent words or phrases. In this case, the word 'rowor' is made up of the letters 'r', 'o', 'w', 'o', and 'r', which represent the words 'ROW' and 'or'. The phrase 'ROW or' can be interpreted as 'puzzle where 'or' is an oar', making the answer to the puzzle 'rowor'.