Platinum Payback — Card Assets (First Arkansas Bank & Trust) is a business credit card from Card Assets (First Arkansas Bank & Trust). The annual fee is $0. The ongoing APR is 20.24% variable APR for purchases and balance transfers (varies with the Prime Rate; disclosures effective February 10, 2026) after a 0.00% introductory APR on purchases, balance transfers and cash advances for the first six billing cycles introductory rate for 6 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: Earn unlimited 1% Cash Back for every dollar spent. Cash back: 1% Cash Back for every dollar spent. Typical credit limit: $5,000 - $50,000. Loan terms: Revolving business credit card; payment due date at least 25 days after the close of each billing period; no interest on purchases if the entire balance is paid by the due date. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).