The KEMBA Visa Signature is a personal credit card from KEMBA Visa Signature. The annual fee is None. The ongoing APR is 13.49% APR to 19.49% APR after a 0.00% APR introductory rate for 18 months. Approval typically requires a credit score of 635 or higher. Signup bonus: $300 cash back with $3000 in purchases made in the first 90 days. Rewards: 1.5% cash back. Cash back: 1.5% cash back.