The Visa Signature Flagship Rewards is a personal credit card from Visa Signature Flagship Rewards. The annual fee is $0. The ongoing APR is 16.65% - 18.00%. Approval typically requires a credit score of Very Good to Excellent or higher. Signup bonus: 35K bonus points when you spend $3.5K in your first 90 days. Rewards: 1X Points for Every Dollar Spent. Minimum time in business: 24 months.