The VISA PLATINUM REWARDS is a personal credit card from VISA PLATINUM REWARDS. The annual fee is None. The ongoing APR is 17.99% after a 0% introductory rate for 12 months. Approval typically requires a credit score of Average to excellent credit or higher. Signup bonus: Earn points on purchases and redeem for cash, gift cards, etc.. Rewards: Earning points on all purchases, redeemable for cash, gift cards, or merchandise. Earn double points on gas, groceries, restaurants (excluding fast food) and pharmacies.. Cash back: Earn double points on gas, groceries, restaurants (excluding fast food) and pharmacies.