The BankChampaign Visa Platinum Good Credit is a personal credit card from BankChampaign Visa Platinum. Application typically pulls a hard report from Experian. The annual fee is no annual fee. The ongoing APR is 12.99%-22.99% after a 0% introductory rate for 6 months. Approval typically requires a credit score of 650 or higher. Signup bonus: Earn 10,000 bonus points after spending $1,000 in the first 3 months. Rewards: Earn one point per dollar on net purchases.. Cash back: 1%. Typical credit limit: $1,000-$15,000.