The BancFirst Visa Signature Excellent Credit is a personal credit card from BancFirst Visa Signature. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 13.99%-23.99% after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 680 or higher. Signup bonus: Get $150 after spending $1,000 in the first 3 months. Rewards: flexible rewards for your business. Cash back: 1.5%. Typical credit limit: $1,000-$30,000.