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.