The Alma Bank is a business credit card from Alma Bank. Application typically pulls a hard report from Experian. 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) after a 0% introductory APR for the first six (6) billing cycles on purchases, balance transfers and cash advances introductory rate for 6 months. Approval typically requires a credit score of 350–689 (Fair/Bad) for Classic, 690–719 (Good) for Preferred or higher. Rewards: Everywhere Rewards: 1 point per $1 of qualifying purchases (net of credits and returns); 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: $500–$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%).