The Spotlight Visa is a personal credit card from Spotlight Visa. The annual fee is $75. The ongoing APR is 17.24% – 25.40% after a 0% introductory rate for 12 months. Signup bonus: 20,000 Bonus Points. Rewards: 2 Points Per Dollar on eligible purchases. Cash back: 2 Points Per Dollar on eligible purchases. Typical credit limit: $5,000 - $30,000.