The VISA Classic is a personal credit card from VISA Classic. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is Competitive variable rate after a 8.9% introductory rate. Rewards: Credit transactions: $1 spent = 1 point Cash back rewards for every purchase. Cash back: 1 point for every $1 spent. Typical credit limit: up to $50,000.