The Bank Five Nine Visa Cash Back Good Credit is a personal credit card from Bank Five Nine Visa Cash Back. 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 670 or higher. Signup bonus: $150 bonus Awarded when you spend $500 within the first 90 days.. Rewards: Earn up to 5% cash back in 2 categories you choose.. Cash back: 1.5%. Typical credit limit: $1,000-$20,000.