The Visa Platinum Signature is a personal credit card from Visa Platinum Signature. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Prime + 8.74% to 16.74% after a 0% intro APR for 6 months introductory rate for 6 months. Signup bonus: 10,000 points upon first $3,000.00 spent in first 4 billing cycles. Rewards: 1.25 point for every $1.00 spent.