The American National Bank of Minnesota Visa Platinum Fair Credit is a personal credit card from American National Bank of Minnesota Visa Platinum. The annual fee is $0. The ongoing APR is 13.99%-23.99% after a 0% introductory rate for 6 months. Approval typically requires a credit score of 650 or higher. Rewards: 1% on all purchases. Cash back: 1%. Typical credit limit: $1,000-$25,000.