The World Rewards is a personal credit card from World Rewards. Application typically pulls a hard report from Experian. The annual fee is no annual fees. Rewards: Earn 1.5 points on every $1.00 spent, or 1.5% on all transactions. 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..