The Y-12 is a business credit card from Y-12. The annual fee is no, our Visa Signature Rewards Credit Card does not have an annual fee!. The ongoing APR is 14.99 % -18.00 % APR* after a 0 % APR* introductory rate for 12 months. Signup bonus: $200 cash bonus (20,000 bonus points) when you spend $1,000 in the first 90 days.. Rewards: a guaranteed minimum of 1.5% cash back on every purchase.. Cash back: 2% cash back. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).