The Cross Valley FCU Visa Platinum Fair Credit is a personal credit card from Cross Valley FCU Visa Platinum. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 18.24% to 29.24% after a 0% introductory APR introductory rate for 18 months. Approval typically requires a credit score of 650 or higher. Signup bonus: Earn 15,000 points when you spend $500 within the first 90 days of account opening. Rewards: Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back). Cash back: 1.0%. Typical credit limit: $500-$25,000. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..