The BankSouth Visa Rewards Excellent Credit is a personal credit card from BankSouth Visa Rewards. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 15.99%-25.99% after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Signup bonus: 25,000 bonus points after spending $1,000 in the first 3 months. Rewards: 1.5 points per dollar spent. Typical credit limit: $1,000-$30,000.