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 Experian. The annual fee is $29.00 per card. The ongoing APR is 20.24% variable (Prime-based) for purchases and balance transfers, after 0% intro for 6 billing cycles after a 0% introductory APR for the first six (6) billing cycles on purchases, balance transfers and cash advances introductory rate. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: 25,000 bonus points after spending $3,000 in the first 90 days. Rewards: Everywhere Rewards: 1 point per $1 of qualifying purchases (based on net purchases); points redeem for gift cards, cash back (minimum $25 per redemption), fuel discounts, experiences/theme parks, event tickets, travel, merchandise or charity; points expire 3 years after issuance. Typical credit limit: $5,000 - $50,000. Loan terms: Revolving credit card; payment due 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; minimum interest charge $1.00 (or state minimum). 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%).