The First Arkansas Bank & Trust is a business credit card from First Arkansas Bank & Trust. The annual fee is $29.00 per 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 0.00% introductory APR on purchases, balance transfers and cash advances for the first six (6) billing cycles 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: Everywhere Rewards: 1 point per $1 of qualifying net purchases; points redeemable for gift cards, cash back, travel, event tickets, fuel discounts and experiences; points expire on the last day of the month three years after issuance. Cash back: 1% Cash Back. 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 each month. 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%).