The Aurora Visa Platinum Fair Credit is a personal credit card from Aurora Visa Platinum. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 12.99%-20.99% after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 620 or higher. Rewards: 1% cash back on all purchases. Cash back: 1%. Typical credit limit: $500-$15,000. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..