The American State Bank Visa Signature Excellent Credit is a personal credit card from American State Bank Visa Signature. Application typically pulls a hard report from Experian. The annual fee is None. The ongoing APR is 17.74% to 27.99% after a 0% introductory APR introductory rate for 12 months. Signup bonus: Earn 15,000 points (worth up to $150) when you spend $500 within the first 90 days. Rewards: Earn up to 4X points AND receive 15,000 bonus points.