The 21st Century Bank Visa Classic Fair Credit is a personal credit card from 21st Century Bank Visa Classic. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 15.99%-25.99%. Approval typically requires a credit score of 650 or higher. Rewards: 1% cash back on all purchases. Cash back: 1%. Typical credit limit: $500-$20,000.