The Fulton Bank Visa Platinum is a personal credit card from Fulton Bank Visa Platinum. The annual fee is $0. The ongoing APR is 17.24% to 28.24% after a 0% introductory rate for 21 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: 4% cash back on prepaid travel booked directly in the Rewards Center. This product reports activity to your personal credit report. Ideal for clients needing a long-term 0% APR option for both large purchases and balance transfers — one of the few cards offering up to 20 months interest-free. M&T Visa Credit Card (Standard Version). BT Fee: 5% of each transfer (minimum $5) — if transferred within the introductory window. Post-intro APR: Typically ranges from 17.74% to 28.74% variable (based on creditworthiness)