The KEMBA Visa Platinum with Rewards is a personal credit card from KEMBA Visa Platinum with Rewards. Application typically pulls a hard report from Experian. The annual fee is None. The ongoing APR is ranging from 11.49% APR to 17.49% APR after a 0.00% APR introductory rate for 18 months. Approval typically requires a credit score of 600 or higher. Signup bonus: $300 cash back with $3000 in purchases made in the first 90 days. Rewards: 1% cash back. Cash back: $300 cash back with $3000 in purchases made in the first 90 days.