The BNC National Bank Visa Signature Excellent Credit is a personal credit card from BNC National 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% 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: 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..