The Blue Ridge Bank, National Association Visa Platinum Fair Credit is a personal credit card from Blue Ridge Bank, National Association Visa Platinum. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. The ongoing APR is 12.99%-20.99% after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 640 or higher. Signup bonus: $100 when you spend $1,000 on your Edge credit card in the first 90 days. Rewards: Enjoy rewards designed to add value to your everyday financial life.. Cash back: 1%. Typical credit limit: $1,000-$25,000.