The Arrow Bank National Association Visa Classic Good Credit is a personal credit card from Arrow Bank National Association Visa Classic. The annual fee is No annual fee. The ongoing APR is variable APR based on the Prime Rate, between 18.99% and 28.99% APR after a 0% introductory APR introductory rate for 12 months. Signup bonus: 15,000 bonus points ($150 equivalent) when you spend $500 in the first 3 billing cycles after the account is opened. Rewards: 1x point per $1 spent. Cash back: 1.5% Cash Back on every purchase. Typical credit limit: $300 - $5,000.