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Banking RegistryReal data. Clear answers.Data as of Oct 13, 2026
Banking RegistryReal data. Clear answers.
First Arkansas Bank and TrustPlatinum PreferredRegistry illustration · issuer artwork unavailable

Platinum PreferredFirst Arkansas Bank and Trust · NM bank, AR · FDIC 16849

CurrentLast observed Oct 13, 2026Source date Oct 13, 2026Official issuerCredit card · Consumer
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Purchase APR
14.49%–23.49%
variable
Balance transfer
0% introductory
then 14.49%–23.49%
Cash advance APR
18.24%–27.49%
variable
Annual fee
No annual fee
a year
Foreign fee
—
Grace period
—

Rates and fees

Product terms with exact source passages
TermValueAs printed in the sourceSource
APR for purchasesintroductory rate first
Introductory0%First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“Apply now and get 0% introductory Annual Percentage Rate (APR) for the first 12 billing cycles for purchases, balance transfers and cash advances with new consumer credit card accounts.**”First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
14.49%–23.49% variableFirst Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“**Effective 2/10/26:  0% introductory APR for the first 12 months on purchases, balance transfers and cash advances from the date of opening. After that, the variable rate will be 14.49% to 23.49% for purchases and balance transfers, and 18.24% to 27.49% for cash advances, based on your creditworthiness. There is a balance transfer fee of either $10 or 4% of the amount of each transfer, whichever…”First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for balance transfersintroductory rate first
Introductory0%First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“Apply now and get 0% introductory Annual Percentage Rate (APR) for the first 12 billing cycles for purchases, balance transfers and cash advances with new consumer credit card accounts.**”First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
After14.49%–23.49% variableFirst Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“**Effective 2/10/26:  0% introductory APR for the first 12 months on purchases, balance transfers and cash advances from the date of opening. After that, the variable rate will be 14.49% to 23.49% for purchases and balance transfers, and 18.24% to 27.49% for cash advances, based on your creditworthiness. There is a balance transfer fee of either $10 or 4% of the amount of each transfer, whichever…”First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR for cash advances18.24%–27.49% variableFirst Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“**Effective 2/10/26:  0% introductory APR for the first 12 months on purchases, balance transfers and cash advances from the date of opening. After that, the variable rate will be 14.49% to 23.49% for purchases and balance transfers, and 18.24% to 27.49% for cash advances, based on your creditworthiness. There is a balance transfer fee of either $10 or 4% of the amount of each transfer, whichever…”First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Penalty APRafter a late or returned payment—no source read
Paying interestgrace period on new purchases—no source read
Annual feeNo annual feeFirst Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“No annual fee”First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Transaction fees
Cash advancethe greater of $10 or 5% of the amount, **Effective 2/10/26:  0% introductory APR for the first 12 months on purchases, balance transfers and cash advances from the date of opening. After that, the variable rate will be 14.49% to 23.49% for purchases and balance transfers, and 18.24% to 27.49% for cash advances, based on your creditworthiness. There is a balance transfer fee of either $10 or 4% of the amount of each transfer, whichever is greater. A cash advance fee of either $10 or 5% of the cash advance, whichever is greater. Some balance transfer limitations apply. Foreign transaction fees may apply, see terms and conditions for rate, fee or other cost information. Annual fees are as follows: Platinum products - $0; World - $35 and $29 for each additional card; World Elite - $299 and $49 for each additional card. Offer may be withdrawn at any time.First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“**Effective 2/10/26:  0% introductory APR for the first 12 months on purchases, balance transfers and cash advances from the date of opening. After that, the variable rate will be 14.49% to 23.49% for purchases and balance transfers, and 18.24% to 27.49% for cash advances, based on your creditworthiness. There is a balance transfer fee of either $10 or 4% of the amount of each transfer, whichever…”First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Balance transferthe greater of $10 or 4% of the amount, **Effective 2/10/26:  0% introductory APR for the first 12 months on purchases, balance transfers and cash advances from the date of opening. After that, the variable rate will be 14.49% to 23.49% for purchases and balance transfers, and 18.24% to 27.49% for cash advances, based on your creditworthiness. There is a balance transfer fee of either $10 or 4% of the amount of each transfer, whichever is greater. A cash advance fee of either $10 or 5% of the cash advance, whichever is greater. Some balance transfer limitations apply. Foreign transaction fees may apply, see terms and conditions for rate, fee or other cost information. Annual fees are as follows: Platinum products - $0; World - $35 and $29 for each additional card; World Elite - $299 and $49 for each additional card. Offer may be withdrawn at any time.First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“**Effective 2/10/26:  0% introductory APR for the first 12 months on purchases, balance transfers and cash advances from the date of opening. After that, the variable rate will be 14.49% to 23.49% for purchases and balance transfers, and 18.24% to 27.49% for cash advances, based on your creditworthiness. There is a balance transfer fee of either $10 or 4% of the amount of each transfer, whichever…”First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Foreign transaction—no source read
Penalty fees
Late payment—no source read
Returned payment—no source read
Other APRsoutside the standard boxes0%First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“Apply now and get 0% introductory Annual Percentage Rate (APR) for the first 12 billing cycles for purchases, balance transfers and cash advances with new consumer credit card accounts.**”First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsBalance transfer · Introductory; Cash advance · Introductory; Purchase · IntroductoryApply now and get 0% introductory Annual Percentage Rate (APR) for the first 12 billing cycles for purchases, balance transfers and cash advances with new consumer credit card accounts.**First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“Apply now and get 0% introductory Annual Percentage Rate (APR) for the first 12 billing cycles for purchases, balance transfers and cash advances with new consumer credit card accounts.**”First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
APR qualificationsBalance transfer · Regular; Cash advance · Regular; Purchase · Regular**Effective 2/10/26:  0% introductory APR for the first 12 months on purchases, balance transfers and cash advances from the date of opening. After that, the variable rate will be 14.49% to 23.49% for purchases and balance transfers, and 18.24% to 27.49% for cash advances, based on your creditworthiness. There is a balance transfer fee of either $10 or 4% of the amount of each transfer, whichever is greater. A cash advance fee of either $10 or 5% of the cash advance, whichever is greater. Some balance transfer limitations apply. Foreign transaction fees may apply, see terms and conditions for rate, fee or other cost information. Annual fees are as follows: Platinum products - $0; World - $35 and $29 for each additional card; World Elite - $299 and $49 for each additional card. Offer may be withdrawn at any time.First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“**Effective 2/10/26:  0% introductory APR for the first 12 months on purchases, balance transfers and cash advances from the date of opening. After that, the variable rate will be 14.49% to 23.49% for purchases and balance transfers, and 18.24% to 27.49% for cash advances, based on your creditworthiness. There is a balance transfer fee of either $10 or 4% of the amount of each transfer, whichever…”First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Signup bonuspoints award25,000 points. Qualifying purchase amount is not disclosed. Qualification deadline is not disclosed. Award posting timing is not disclosed. Offer expiration not disclosed. Eligible for 25,000 bonus pointsFirst Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“Eligible for 25,000 bonus points”First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
RewardsNot disclosed1 point per $1. See source conditions for eligible purchases.First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“Earn unlimited one point for every dollar spent”First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Rewards conditionsRewardsPoint posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. Earn unlimited one point for every dollar spentFirst Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026“Earn unlimited one point for every dollar spent”First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website