The Personal Platinum VISA Cash Back is a personal credit card from Personal Platinum VISA Cash Back. Application typically pulls a hard report from Experian. The annual fee is No annual fee.. The ongoing APR is After that, a variable APR based on the Prime Rate. after a 0% intro APR on purchases and balance transfers for the first seven billing cycles after account opening. introductory rate for 7 months. Rewards: Earn a full 1% cash back on all purchases.. Cash back: 1% cash back on all purchases..