The Visa Platinum Rewards is a personal credit card from Visa Platinum Rewards. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Prime + 8.74% to 16.74%. Signup bonus: 5,000 points upon first $1,000.00 spent in first 4 billing cycles. Rewards: 1 point for every $1.00 spent.