Platinum Preferred — First Arkansas Bank & Trust is a business credit card from First Arkansas Bank & Trust. The annual fee is No annual fee. The ongoing APR is 16.74% to 20.24% variable for purchases and balance transfers, based on your creditworthiness after a 0% introductory APR for the first 6 months on purchases, balance transfers and cash advances from the date of opening introductory rate for 6 months. Signup bonus: Eligible for 25,000 bonus points. Rewards: Earn unlimited one point for every dollar spent.