The Banner Banks Visa Rewards Excellent Credit is a personal credit card from Banner Banks Visa Rewards. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 15.99%-24.99% after a 0% for 15 months introductory rate for 15 months. Approval typically requires a credit score of 700 or higher. Signup bonus: Earn 10,000 bonus points after your first purchase. Rewards: 1 point per dollar spent, 2 points on travel. Typical credit limit: $1,000-$20,000. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..