The 21st Century Bank Visa Rewards Good Credit is a personal credit card from 21st Century Bank Visa Rewards. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 14.99%-24.99% after a 0% for 6 months introductory rate for 6 months. Approval typically requires a credit score of 660 or higher. Signup bonus: Get $100 cash back after first purchase. Rewards: 2% cash back on groceries, 1% on all other purchases. Cash back: 2%. Typical credit limit: $500-$15,000. 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..