The Visa Zero+ is a personal credit card from Visa Zero+. Application typically pulls a hard report from Experian. The annual fee is $15. Signup bonus: $15 annual statement credit after 11 months. Rewards: 4% cash back on prepaid travel. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..