The Class Act Visa Platinum Good Credit is a personal credit card from Class Act Visa Platinum. The annual fee is $0. The ongoing APR is 12.75% after a 0% introductory rate for 6 months. Approval typically requires a credit score of 650 or higher. Signup bonus: Earn 10,000 bonus points after spending $1,000 in the first 3 months. Rewards: 1%. Cash back: 1%. Typical credit limit: $1,000-$25,000.