The CNB Visa Signature Excellent Credit is a personal credit card from CNB Visa Signature. Application typically pulls a hard report from Experian. The annual fee is $0.00*. The ongoing APR is 16.74% - 26.74% variable APR after a 0% Introductory APR introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Signup bonus: Receive a $150 statement credit after your first purchase. Rewards: Unlimited 1x point on every net dollar spent, every day.. Cash back: 2%. Typical credit limit: $1,500-$30,000.