The American Community Bank and Trust Visa Platinum Fair Credit is a personal credit card from American Community Bank and Trust Visa Platinum. The annual fee is $0. The ongoing APR is 13.99%-22.99% after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 640 or higher. Rewards: 1% cash back on all purchases. Cash back: 1%. Typical credit limit: $1,000-$15,000.