The Banesco USA Visa Platinum Good Credit is a personal credit card from Banesco USA Visa Platinum. The annual fee is $0 annual fee. The ongoing APR is 17.50% after a 0% APR* introductory rate for 7 months. Approval typically requires a credit score of 660 or higher. Signup bonus: Earn a $100 statement credit after your first purchase. Rewards: Unlimited 1% cash back on qualified purchases. Cash back: 1%. Typical credit limit: $5,000-$15,000. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN.