The People’s is a personal credit card from People’s. The annual fee is $0. The ongoing APR is 18% APR* after a 0% intro APR* introductory rate for 6 months. Approval typically requires a credit score of No minimum credit score required or higher. Rewards: Earn reward point with ScoreCard Reward program. Typical credit limit: $20,000. Loan terms: Amount up to $20,000. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN.