The Advancial Visa Signature Excellent Credit is a personal credit card from Advancial Visa Signature. The annual fee is No annual fee. The ongoing APR is 9.90%-16.90% APR based on creditworthiness after a 0% Intro APR introductory rate for 6 months. Approval typically requires a credit score of 700 or higher. Signup bonus: Earn 10,000 bonus points after your first purchase. Rewards: Unlimited rewards. Cash back: 1.5%. Typical credit limit: $1,000-$25,000.