The Agriculture Federal Credit Union Visa Platinum Fair Credit is a personal credit card from Agriculture Federal Credit Union Visa Platinum. The annual fee is None. The ongoing APR is as low as 12.75% after a 0% introductory rate for 12 months. Approval typically requires a credit score of 650 or higher. Rewards: up to 1.25% cash back. Cash back: up to 1.25%. Typical credit limit: $500-$30,000.