The Bank of Idaho Visa Signature Excellent Credit is a personal credit card from Bank of Idaho Visa Signature. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 14.99%-24.99% after a 0% for 15 months introductory rate for 15 months. Approval typically requires a credit score of 680 or higher. Signup bonus: Get $150 cash back after your first purchase. Rewards: 1.5% cash back on all purchases. Cash back: 1.5%. Typical credit limit: $1,000-$30,000.