The Allegacy Visa Platinum Fair Credit is a personal credit card from Allegacy Visa Platinum. The annual fee is $0. The ongoing APR is 11.65%-16.65% after a 0% introductory rate for 18 months. Approval typically requires a credit score of 650 or higher. Rewards: 1% cash back on all purchases. Cash back: 1%. Typical credit limit: $500-$25,000.