The Central Bank Illinois Visa Rewards Excellent Credit is a personal credit card from Central Bank Illinois 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 10,000 bonus points after first purchase. Rewards: 2% cash back on groceries, 1% on all other purchases. Cash back: 2%. Typical credit limit: $1,000-$15,000.