The Ballston Spa National Bank Visa Rewards Good Credit is a personal credit card from Ballston Spa National Bank Visa Rewards. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 12.99%-22.99% after a 0% for 6 months introductory rate for 6 months. Approval typically requires a credit score of 680 or higher. Signup bonus: Get a $100 statement credit after your first purchase. Rewards: 1.5% cash back on all purchases. Cash back: 1.5%. Typical credit limit: $500-$10,000.