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First Arkansas Bank and Trust

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
Introductory0%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, 2026Website
APR for balance transfersintroductory rate first
Introductory0%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, 2026Website
APR for cash advances18.24%–27.49% variableFirst Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual feeNo annual feeFirst 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 Offer may be withdrawn at any time.First Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website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, 2026Website
Foreign transaction—
Penalty fees
Late payment—
Returned payment—
Other APRsoutside the standard boxes0%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, 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, 2026Website
Cash back1% cash back. Payment timing is not disclosed. 1% Cash BackFirst Arkansas Bank and Trust · Page Capture Oct 13, 2026 · Captured Oct 13, 2026Website