The Alma Bank is a personal credit card from Alma Bank. The annual fee is $0. The ongoing APR is 14.49% - 23.49% variable, based on creditworthiness, for purchases and balance transfers; cash advances 19.49% - 27.49% (disclosure effective February 10, 2026) after a 0.00% introductory APR on purchases, balance transfers and cash advances introductory rate. Rewards: Earn points on everyday purchases (1 point = $1 spent) in the Everywhere Rewards program.