The Bank Five Nine Visa Rewards Good Credit is a personal credit card from Bank Five Nine Visa Rewards. Application typically pulls a hard report from Experian. The annual fee is None. The ongoing APR is 17.74% to 27.99% based on your creditworthiness when you open your account. after a 0% introductory APR for the first 12 billing cycles. introductory rate for 12 months. Approval typically requires a credit score of 680 or higher. Signup bonus: Earn 15,000 points (worth up to $150) when you spend $500 within the first 90 days.. Rewards: Earn up to 4X points on dining, take-out & restaurant delivery, 2X points at grocery stores, gas stations and EV charging stations, and eligible streaming services.. Cash back: 1%. Typical credit limit: $1,000-$15,000.