The Visa Max Cash Preferred is a personal credit card from Visa Max Cash Preferred. Application typically pulls a hard report from Experian. The annual fee is null. The ongoing APR is 19.49% to 29.74% after a 0% introductory APR introductory rate for 12 months. Signup bonus: $150 bonus reward after you spend $500 within the first 90 days of account opening. Rewards: up to 5% cash back in two categories you choose, 2% unlimited cash back on one everyday category of your choice, 1% unlimited cash back on all other eligible purchases.