The AllSouth Visa Platinum Fair Credit is a personal credit card from AllSouth Visa Platinum. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 9.99%-18.00% after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 650 or higher. Rewards: 1% cash back on all purchases. Cash back: 1%. Typical credit limit: $1,000-$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..