The First Arkansas Bank and Trust is a business credit card from First Arkansas Bank and Trust. The annual fee is $35 and $29 for each additional card. The ongoing APR is 14.49% to 23.49% for purchases and balance transfers, and 18.24% to 27.49% for cash advances after a 0% introductory rate for 12 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% Cash Back. 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%).