The Alma Bank is a business credit card from Alma Bank. Application typically pulls a hard report from Experian. The annual fee is $35 Annual Fee ($29 for each additional card). The ongoing APR is 16.74% Variable after a 0% Introductory Rate 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: Rewards. Typical credit limit: $500–$50,000. 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%).