The American Community Bank and Trust Visa Rewards Good Credit is a personal credit card from American Community Bank and Trust Visa Rewards. The annual fee is $0. The ongoing APR is 15.99%-25.99% after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 680 or higher. Signup bonus: Earn 20,000 points after spending $1,500 in the first 3 months. Rewards: 1.5% cash back on all purchases. Cash back: 1.5%. Typical credit limit: $1,000-$15,000.