The AllSouth Visa Signature Excellent Credit is a personal credit card from AllSouth Visa Signature. Application typically pulls a hard report from Experian. The annual fee is No annual fee.. The ongoing APR is 17.24% to 26.24% based on your creditworthiness when you open your account. after a 0% introductory APR for the first 12 billing cycles. introductory rate for 12 months. Signup bonus: $25 cash back after your first purchase.. Rewards: 3% cash back on eligible purchases at gas and EV charging stations, cell phone service providers, office supply stores, and dining; 1% cash back on all other eligible purchases.. Cash back: 3% cash back on eligible purchases at gas and EV charging stations, cell phone service providers, office supply stores and dining, including takeout and food delivery service purchases; 1% cash back on all other eligible purchases.