The ACFCU Visa Signature Excellent Credit is a personal credit card from ACFCU Visa Signature. Application typically pulls a hard report from Experian. The annual fee is None. The ongoing APR is 17.24% to 28.24% based on your creditworthiness when you open your account. after a 0% introductory APR for the first 21 billing cycles. introductory rate for 21 months. Signup bonus: $15 annual statement credit after making purchases for 11 consecutive months.. Rewards: 4% cash back on prepaid travel booked directly in the Travel Center when you use your card.. 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..