The First Arkansas Bank & Trust is a business credit card from First Arkansas Bank & Trust. The annual fee is $249 annual fee, $49 for each additional card. The ongoing APR is 16.74% to 20.24% for purchases and balance transfers, and 20.24% to 23.74% for cash advances after a 0% introductory Annual Percentage Rate (APR) for the first 6 billing cycles introductory rate for 6 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: Eligible for 25,000 bonus points. Rewards: Earn points or cash back. Cash back: 1%. Typical credit limit: $5,000 - $50,000. 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%).