The AACU Visa Platinum Fair Credit is a personal credit card from AACU Visa Platinum. The annual fee is 0. The ongoing APR is 12.00% - 17.99% after a 0% APR for the first 12 billing cycles introductory rate for 12 months. Approval typically requires a credit score of 640 or higher. Rewards: Redeem Points for Cash, Merchandise, or Travel. Cash back: 1%. Typical credit limit: $500-$20,000.