The Bank Independent Visa Signature Excellent Credit is a personal credit card from Bank Independent Visa Signature. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 14.49%-24.49% after a 0% for 15 months introductory rate for 15 months. Approval typically requires a credit score of 700 or higher. Signup bonus: Get 20,000 points after spending $1,500 in the first 3 months. Rewards: 2% cash back on groceries and gas, 1% on all other purchases. Cash back: 2%. Typical credit limit: $1,000-$30,000.