Platinum Payback — 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 Experian. The annual fee is No Annual Fee. The ongoing APR is 20.24% variable (varies with the Prime Rate) after a 0% Introductory Rate introductory rate. Approval typically requires a credit score of Fair Credit OK or higher. Rewards: 1 point per $1 spent (Everywhere Rewards); points redeem for cash back, gift cards, fuel discounts and other rewards; points expire 3 years after issuance; cash back minimum $25 per redemption. Typical credit limit: High Limits. Community bank card program via Card Services Center. Bureau pull data not publicly verified. Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).