The Alerus Visa Signature Excellent Credit is a personal credit card from Alerus Visa Signature. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 13.24%-23.24% after a 0% for 6 billing cycles introductory rate for 6 months. Approval typically requires a credit score of 700 or higher. Signup bonus: Earn 10,000 points after first purchase. Rewards: 2% cash back on dining and groceries, 1% on all other purchases. Cash back: 2%. Typical credit limit: $1,000-$30,000.