The Personal card - world/preferred Points rewards is a personal credit card from Personal card - world/preferred Points rewards. Application typically pulls a hard report from Experian. The annual fee is No annual fee.. The ongoing APR is Competitive ongoing APR. after a Low introductory rate for first six months. introductory rate for 6 months. Rewards: Earn points that you can redeem for rewards.. Cash back: Redeem your rewards points for cash-back awards..