The Visa College Real Rewards is a personal credit card from Visa College Real Rewards. Application typically pulls a hard report from Experian. The annual fee is null. Signup bonus: 2,500 bonus rewards points awarded after first purchase. Rewards: Earn 1.5 points for every dollar you spend on eligible purchases. Cash back: 2,500 bonus rewards points awarded after first purchase, redeemable for $25 cash back, merchandise, gift cards, or travel savings.