The America First Visa Signature Excellent Credit is a personal credit card from America First Visa Signature. Application typically pulls a hard report from Experian. 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: 80,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $4,000 on purchases in the first 120 days of opening your account.. Rewards: 3% cash back on gas and groceries, 1% on all other purchases. Cash back: 3%. Typical credit limit: $1,000-$30,000.