The Allegacy Visa Signature Excellent Credit is a personal credit card from Allegacy Visa Signature. The annual fee is $0. The ongoing APR is 14.65%-16.65% after a 0% introductory rate for 18 months. Approval typically requires a credit score of 700 or higher. Signup bonus: Earn 10,000 points after your first purchase. Rewards: 1.5% cash back on all purchases. Cash back: 1.5%. Typical credit limit: $1,000-$25,000.