The America First Visa Signature Excellent Credit is a personal credit card from America First Visa Signature. The annual fee is $0. The ongoing APR is 10.24%-18.00% after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Signup bonus: Earn 20,000 bonus points after first purchase. Rewards: 3% cash back on gas and groceries, 1% on all other purchases. Cash back: 3%. Typical credit limit: $1,000-$30,000.