The Ballston Spa National Bank Visa Classic Fair Credit is a personal credit card from Ballston Spa National Bank Visa Classic. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 13.99%-23.99%. Approval typically requires a credit score of 660 or higher. Rewards: 1% cash back on all purchases. Cash back: 1%. Typical credit limit: $500-$15,000.