The Nicolet is a personal credit card from Nicolet. Application typically pulls a hard report from Experian. The annual fee is $50 annual fee. Signup bonus: Spend $3,000 or more in first 3 cycles and earn 15,000 bonus points. Spend $12,000 or more annually and earn 5,000 bonus points.. Rewards: 2% Rewards Points on gas & restaurants, 1% Rewards Points on all other purchases.