World Elite Plus — Alma Bank is a business credit card from Alma Bank. The annual fee is $249 annual fee ($49 for each additional card). The ongoing APR is 16.74% (varies with the Prime Rate) after a 0.00% introductory APR for the first six (6) billing cycles introductory rate for 6 months. Rewards: Everywhere Rewards points: 1 point = $1 spent.