The Bank Midwest Visa Rewards Excellent Credit is a personal credit card from Bank Midwest Visa Rewards. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 14.99%-24.99% after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Signup bonus: Earn 20,000 points after spending $1,500 in the first 3 months. Rewards: 1.5 points for every dollar spent. Typical credit limit: $1,000-$20,000.