The 1st Source Bank Visa Signature Excellent Credit is a personal credit card from 1st Source Bank Visa Signature. Application typically pulls a hard report from Experian. The annual fee is $0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees.. The ongoing APR is 18.24% to 25.24% based on your creditworthiness when you open your account. after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Signup bonus: 20,000 bonus points (worth up to $200) when you spend $500 on the Authorized Officer’s card within the first 90 days.. Rewards: Earn 20,000 Bonus Points when you spend $500 on the Authorized Officer’s card within the first 90 days.. Typical credit limit: $1,000-$25,000. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..