The Visa Travel Rewards+ is a personal credit card from Visa Travel Rewards+. Application typically pulls a hard report from Experian. The annual fee is $0 intro annual fee the first year. After that, annual fee is $99. The ongoing APR is 19.74% to 29.74%. Signup bonus: $250 bonus reward (25,000 points) when you spend $2,000 within the first 120 days of account opening. Rewards: 4x unlimited points on travel, gas stations, electric vehicle charging stations, entertainment, and recreation purchases, 1.5x unlimited points on all other eligible purchases. 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..