Platinum Preferred — Alma Bank is a business credit card from Alma Bank. The annual fee is No annual fee. The ongoing APR is 20.24% (varies with the Prime Rate) after a 0.00% introductory APR for the first six (6) billing cycles introductory rate for 6 months. Rewards: Platinum Rewards points, with the opportunity to earn double and triple reward points on qualifying everyday purchases (subject to enrollment and periodic promotions).