The 22nd State Bank Visa Rewards Fair Credit is a personal credit card from 22nd State Bank Visa Rewards. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 15.99%-25.99% after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 660 or higher. Signup bonus: Earn 10,000 bonus points after your first purchase. Rewards: 1.5 points per dollar spent. Typical credit limit: $1,000-$10,000.