The Blue Ridge Bank Fair Credit is a personal credit card from Blue Ridge Bank. Application typically pulls a hard report from TransUnion. The annual fee is No Annual Fee. The ongoing APR is 17.99% to 23.99% variable after a 0% on all purchases for 12 months introductory rate for 12 months. Approval typically requires a credit score of 640 or higher. Signup bonus: Welcome bonus of $100 when you spend $1,000 in the first 90 days (fulfilled as points); plus a $25 credit when you sign up for a streaming service. Rewards: 4 points per $1 at restaurants, cafes and fast food; 2 points per $1 at gas stations, utilities and groceries; 1 point per $1 elsewhere; points redeemable for cash back, gift cards or merchandise. Cash back: 1%. Typical credit limit: $1,000-$25,000.