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.