The America First Visa Platinum Fair Credit is a personal credit card from America First Visa Platinum. The annual fee is $0. The ongoing APR is 9.99%-18.00% after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 640 or higher. Signup bonus: Earn a $100 bonus after your first purchase. Rewards: 1.5% cash back on all purchases. Cash back: 1.5%. Typical credit limit: $500-$25,000.