The Platinum Edition Visa is a personal credit card from Platinum Edition Visa. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. The ongoing APR is 17.74% to 27.99% after a 0% introductory APR introductory rate for 12 months. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..