The Visa Real Rewards is a personal credit card from Visa Real Rewards. Application typically pulls a hard report from Experian. The annual fee is None. The ongoing APR is 17.74% to 27.99% based on your creditworthiness when you open your account. after a 0% introductory APR for the first 6 billing cycles. introductory rate for 6 months. Signup bonus: Get 2,500 bonus points (worth up to $25) After your first purchase.. Rewards: Earn 1.5 points for every $1 you spend on eligible purchases.. Cash back: 2,500 bonus rewards points awarded after first purchase. 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..