The American Heritage Visa Signature Excellent Credit is a personal credit card from American Heritage Visa Signature. The annual fee is $0. The ongoing APR is 13.49%-17.99% variable APR after a 0.00% introductory rate for 9 months. Approval typically requires a credit score of 700 or higher. Signup bonus: $150 Bonus Reward when you spend $1,500 in the first 90 days. Rewards: 3% Cash Back on Essentials, 2% Cash Back on Travel and Dining, 1% Back on Everything Else. Cash back: 2%. Typical credit limit: $1,000-$30,000.