World Elite Plus — 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 $249 for the first card; $49 for each additional card. Rewards: Everywhere Rewards: 1 point per $1 of net qualifying purchases; points redeem for gift cards, cash back (minimum $25 per cash-back redemption), travel, merchandise, experiences, event tickets or charity; points expire 3 years after issuance. 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). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). 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%).