The 1st National Bank of Waterloo Visa Signature Excellent Credit is a personal credit card from 1st National Bank of Waterloo Visa Signature. Application typically pulls a hard report from Experian. The annual fee is $0. Rewards: Earn 1.5% cash back on all purchases. Cash back: 1.5%. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..