World Elite — Card Assets (First Arkansas Bank & Trust) is a business credit card from Card Assets (First Arkansas Bank & Trust). Application typically pulls a credit report from All 3 bureaus (Experian, Equifax, TransUnion). The annual fee is $29.00 per card. 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 for the first six (6) billing cycles on purchases, balance transfers and cash advances introductory rate. Rewards: Earn 1% Cash Back or Everywhere Rewards points. Cash back: 1%. 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%).