The Visa Everyday Rewards+ is a personal credit card from Visa Everyday Rewards+. Application typically pulls a hard report from Experian. The annual fee is null. Rewards: 4x unlimited points on dining, take-out, and food delivery, 2x unlimited points at grocery stores, grocery delivery, gas stations, and streaming services, 1x unlimited points on all other eligible purchases. Cash back: $150 bonus reward (15,000 points) after you spend $500 within the first 90 days of account opening. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..