The BankSouth Visa Signature Excellent Credit is a personal credit card from BankSouth 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 12 months introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Signup bonus: Earn 20,000 bonus points after spending $1,000 in the first 3 months. Rewards: 2% cash back on groceries and 1% on all other purchases. Cash back: 2%. Typical credit limit: $1,000-$30,000.