The Visa Signature Rewards is a personal credit card from Visa Signature Rewards. The annual fee is no annual fee. The ongoing APR is between 14.65% to 16.65% after a 0% Introductory APR for 18 months on purchases and balance transfers made within 12 months of account opening introductory rate for 18 months. Rewards: earn points on your purchases and redeem them later for rewards.