The American National Bank Visa Signature Excellent Credit is a personal credit card from American National Bank Visa Signature. Application typically pulls a hard report from Experian. The annual fee is no annual fees. The ongoing APR is 14.99%-24.99% after a 0% introductory rate for 6 months. Approval typically requires a credit score of 700 or higher. Signup bonus: Earn 20,000 bonus points after spending $1,000 in the first 3 months. Rewards: Earn one point for every $1.00 spent, or 1% on all purchases. Cash back: 1.5%. Typical credit limit: $1,000-$30,000. 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..