Central Bank Illinois Visa Rewards Excellent Credit is a personal credit card from Central Bank Illinois. The annual fee is $0. The ongoing APR is 16.74% - 26.74% variable APR after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Signup bonus: Earn 10,000 bonus points after first purchase. Rewards: UNLIMITED REWARDS - Earn unlimited 1x point on every net dollar spent.1. Cash back: 2%. Typical credit limit: $1,000-$15,000.