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.