The 21st Century Bank Visa Platinum Good Credit is a personal credit card from 21st Century Bank Visa Platinum. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 13.99%-23.99% after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 680 or higher. Rewards: 1% cash back on all purchases. Cash back: 1%. Typical credit limit: $1,000-$15,000.