The Abacus Federal Savings Bank Visa Classic Fair Credit is a personal credit card from Abacus Federal Savings Bank Visa Classic. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee *. The ongoing APR is 15.24% - 27.49% after a 0% Intro APR * introductory rate for 12 months. Rewards: Earn one point dollar on net purchases and redeem them for merchandise, rental cars, travel and more.. Cash back: 1% cashback on all net purchases.