The Rewards Platinum is a personal credit card from Rewards Platinum. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is Low APR between 9.74% and 19.74%, based on your creditworthiness after a 0% intro APR for 12 months for purchases and balance transfers introductory rate for 12 months. Rewards: Earn unlimited reward points that don’t expire! Earn one point for every net dollar you spend.